Department: Credit Management
Grade: OG-I
Job Type: Permanent
Positions: 1

Job Description

The Verification Officer is responsible for supporting branch business targets while maintaining prudent credit risk standards. The role involves reviewing loan applications, conducting pre-approval and post-disbursement verifications, assessing borrower information and creditworthiness, ensuring compliance with credit policies, and supporting branch teams in improving credit quality.

Key Responsibilities

• Conduct independent desk reviews of loan files for accuracy, completeness, and compliance with credit policies.
• Identify discrepancies in loan applications and ensure timely rectification before further processing.
• Participate in Branch Credit Committees and provide independent recommendations on loan approvals or rejections.
• Maintain MIS records of loan applications received, processed, and rejected.
• Analyze and consolidate reasons for loan rejection and share findings with relevant stakeholders.
• Conduct pre-approval verification through physical visits or telephone verification, as applicable.
• Verify borrowers' identity, residence, business activities, reputation, repayment capacity, and loan purpose.
• Cross-check home and business addresses and document verification observations.
• Review applicants' credit history through CIR and ensure compliance with applicable regulations and policies.
• Conduct sample-based post-disbursement verifications and report findings to management.
• Identify serious compliance issues and immediately report them to line management.
• Ensure adherence to credit policies, procedures, guidelines, and prudential regulations.
• Support implementation of updated credit policies and procedures at branches.
• Ensure required exceptions are properly obtained and documented before approval.
• Provide functional training and capacity-building sessions to branch staff on credit assessment and monitoring.
• Physically verify goldsmith credentials before onboarding them onto the branch panel.
• Conduct quarterly verification of goldsmiths and submit verification reports to Head Office.
• Supervise the gold auction process.
• Perform any other duties assigned by the Line Manager.

Eligibility Criteria

Education:
Bachelor's degree from a reputable institution in Business Administration, Banking & Finance, Agriculture, Economics, Accounts, or a related field.

Experience:
3–5 years of relevant credit and related banking experience.

About Mobilink Microfinance Bank

Mobilink Microfinance Bank Ltd. (MMBL) is a leading microfinance bank in Pakistan, combining traditional banking services with digital and mobile banking solutions. The bank focuses on financial inclusion and provides a wide range of services including savings, micro-enterprise loans, housing finance, remittances, mobile wallets, insurance, utility bill payments, and digital payment solutions.

Why Join MMBL?

This opportunity is ideal for professionals looking to build a career in credit management, banking operations, risk assessment, and financial services while contributing to financial inclusion and responsible lending in Pakistan.

🔎 Source: Official Careers Portal
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