Habib Metropolitan Bank Jobs Officer Credit

September 28, 2024September 28, 2024 admin

Habib Metropolitan Bank Jobs Officer Credit:

Organization: Habib Metropolitan Bank

HABIBMETRO is inviting applications for Officer Credit, JO/OGIII for Karachi. Candidates with effective communication skills may apply for the position at https://lnkd.in/dUKsHVSa or [email protected] by October 06, 2024 with subject Officer Credit.

Experience: Fresh graduates to 2 years
Education: Bachelors
Deadline: October 06, 2024

Technical Skillset:
Excellent market and selling skills, knowledge of industry & regulatory requirements, Bank’s Credit Policies & Procedures, strong analytical skills

Responsibilities:

To ensure compliance according to guidelines stipulated by internal and external regulatory authorities and liaise with Central Bank’s Auditors, External Auditors and Credit Review Department to provide all logistical support, documents and information as and when required as well as assist Br. Manager regarding matters related to FBR, FIA, SBP etc.
To strategise, as per the annual business plan, asset deployment and undertake implementation accordingly and make new portfolio.
To ensure (based on strict control & monitoring) all new portfolio remains uninfected and healthy.
To market the bank’s products to increase the assets & liabilities of the bank and ensure that the portfolio so increased reflects healthy addition.
To approve proposals / authorise transactions as per assigned limits, wherever required, and in line with the policies and procedures.
To process credit proposals and e-memos duly undertaking the financial analysis w.r.t their business turnover & profitability as well as in accordance with SBP’s Prudential Regulations and Bank’s Credit Policy.
To manage renewals of the existing portfolio including their routine financial transactions affairs with regard to funded & non-funded credit facilities.
To ensure proper recovery of quarterly markup & maintaining client rating (Qualitative & Quantitative) in core banking system – hPLUS and monitor credit exposure and reporting thereon to ensure correct utilization of credit limits as per terms and conditions of approval.
To undertake frequent visits for inspection of Bank’s mortgaged/pledged/hypothecated assets to keep the Bank’s interest secured.
To ensure obtaining regularly, stock report, insurance, yearly financials and BBFS from the customers as and when required.
To ensure limits implementation and draw down takes place only after receipt of proper documentation in accordance with approval and legal opinion.
Liaison with CAD/CRMG regarding different facilities, with SAM division regarding NPL accounts/filing of Suit, Monitoring of remedial portfolio and managing restructuring & rescheduling of accounts where necessary/suitable.
To prepare and report all types of credit related statements/reporting to Zonal office/HO, SBP as and when required.
To undertake monthly closing of Branch Accounting.