Department: Credit Management
Grade: OG-I
Positions: 01

Mobilink Microfinance Bank Limited (MMBL) is looking for a skilled and detail-oriented Verification Officer to support branch operations while ensuring prudent credit risk management and compliance with the Bank’s credit policies and procedures.

The role involves conducting independent reviews of loan applications, performing pre-approval and post-disbursement verifications, assessing borrowers’ creditworthiness, maintaining verification records, and supporting effective credit decision-making.

Key Responsibilities

• Support branch business targets while ensuring credit risk remains within approved policies and guidelines.
• Conduct independent desk reviews of loan files for accuracy, completeness, and compliance with credit policies and procedures.
• Identify discrepancies in loan applications and coordinate with relevant teams for rectification before further processing.
• Participate in Branch Credit Committee meetings and provide independent judgment on loan applications for approval or rejection.
• Maintain MIS and records of loan applications received, processed, approved, and rejected.
• Identify and consolidate key reasons for loan rejections and share findings with relevant stakeholders.
• Coordinate with branch management to improve loan approval quality and reduce avoidable rejections.
• Conduct pre-approval verification through physical visits or telephone verification, as applicable.
• Verify the accuracy, reliability, and completeness of information provided by borrowers.
• Assess applicants’ creditworthiness, reputation, repayment capacity, and business activities.
• Verify the existence of borrowers and their businesses by cross-checking residential and business addresses.
• Interact with applicants and properly document observations and verification findings.
• Assess customers’ understanding of their business activities and the intended use of loan funds.
• Review applicants’ credit history, including CIR checks where applicable, in accordance with Prudential Regulations and Bank policies.
• Conduct post-disbursement verification on a sample basis and report findings to Branch Management and relevant credit/risk departments.
• Identify serious non-compliance issues during verification and immediately report observations to the Line Manager.
• Promote a culture of credit compliance across branch operations.
• Ensure customer service standards are maintained without compromising internal controls and credit requirements.
• Ensure strict adherence to Credit Policies, Procedures, Guidelines, and regulatory requirements.
• Implement updates and changes to credit policies and procedures communicated by the Bank.
• Ensure policy exceptions are properly obtained, approved, and documented before loan approval.
• Provide functional training, capacity-building sessions, and learning opportunities to branch staff on credit assessment and monitoring.
• Physically verify the credentials of goldsmiths before their onboarding on the branch panel, in accordance with Bank policy.
• Conduct quarterly verification of goldsmiths and submit verification reports to Head Office.
• Supervise the gold auction process.
• Perform any other assignments assigned by the Line Manager.

Eligibility Criteria

Education

Bachelor’s degree from a reputable institution in one of the following fields:

• Business Administration
• Banking & Finance
• Agriculture
• Economics
• Accounting or related discipline

Experience

• 3 to 5 years of relevant experience in credit or related functions.

About Mobilink Microfinance Bank Limited (MMBL)

Mobilink Microfinance Bank Limited is a leading financial institution providing banking and digital financial services across Pakistan. The Bank combines traditional microfinance services with mobile and digital banking technologies to promote financial inclusion and deliver innovative financial solutions.

MMBL focuses on innovation, entrepreneurship, teamwork, collaboration, and a customer-centric approach while offering employees opportunities to contribute to meaningful and transformative change.

Why Join MMBL?

This is an excellent opportunity for professionals who are passionate about credit management and financial services. The selected candidate will play an important role in strengthening credit controls, supporting responsible lending practices, and contributing to MMBL’s mission of empowering customers through innovative financial solutions.

🔎 Source: Official Careers Portal
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