Department: Credit Management Department
Grade: OG-III
Employment Type: Permanent
Reporting To: Manager CAD

About the Role

Mobilink Microfinance Bank Limited (MMBL) is seeking a detail-oriented and analytical Officer – Credit Administration Unit (CAU) to support the effective management, verification, safekeeping, and administration of credit and collateral documentation. The ideal candidate will play a vital role in ensuring compliance with bank policies, maintaining security documentation, and supporting credit operations through accurate record management and process improvements.

Key Responsibilities

Credit & Collateral Administration

• Review and manage collateral documentation related to customer financing facilities.
• Understand and verify property-related documents, including:
  • Sale Deeds
  • Mortgage Deeds
  • General Power of Attorney (GPA)
  • Fard & Inteqal
  • Other ownership and security documents
• Handle documentation related to:
  • House Finance
  • Running Finance
  • Vehicle Finance
  • Agricultural Loans
  • Other lending products

Security Documentation Management

• Ensure collection, verification, and secure custody of:
  • Charge Documents
  • Legal Agreements
  • Property Title Deeds
  • Insurance Documents
  • Other loan security records
• Manage Post-Dated Cheques (PDCs) received as collateral.
• Maintain accurate records and ensure compliance with internal policies and procedures.

Vehicle Financing Documentation

• Process and maintain vehicle-related collateral records, including:
  • Registration Books
  • Smart Cards
  • Sale Certificates
  • Purchase Invoices
  • Excise & Taxation Registration Slips

Loan Closure & Documentation Release

• Coordinate the timely release of security documents to branches following complete loan settlement and final adjustment.

Monitoring & Compliance

• Assist in post-disbursement Credit Bureau Checks (CBCs).
• Identify and report early warning signs to support proactive risk management.
• Support internal inspections, audits, and compliance reviews.

Process Improvement

• Contribute ideas for automation and digital transformation of credit administration processes.
• Support implementation of approved process enhancement initiatives.
• Prepare timely reports on pending collateral documentation and follow up with relevant branches.

Additional Responsibilities

• Perform other duties and assignments as directed by the Line Manager and Department Head.

Eligibility Criteria

Education

• Bachelor's Degree in:
  • Commerce
  • Business Administration
  • Economics
  • Or a related discipline

Experience

• Minimum 3 months internship experience in a bank's Credit Administration Department or a similar function.

Required Skills & Competencies

• Sound understanding of Credit and Collateral Administration
• Knowledge of lending and security documentation
• Strong analytical and documentation review skills
• Effective planning and organizational abilities
• Team-oriented mindset with strong collaboration skills
• Proficiency in Microsoft Office, particularly:
  • MS Excel
  • MS Word
• Strong presentation and communication skills
• Attention to detail and commitment to accuracy

Why Join MMBL?

Mobilink Microfinance Bank Limited is one of Pakistan's leading digital financial institutions, serving millions of customers through an extensive branch and branchless banking network. At MMBL, innovation, collaboration, and customer-centricity are at the heart of everything we do.

This role offers an excellent opportunity to build a career in banking and credit management while contributing to financial inclusion and digital transformation across Pakistan.

🔎 Source: Official Careers Portal

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