Required Qualifications:
Masters / Bachelor’s degree (16 years of equivalent education) in Business Administration, Public Administration, Marketing, Economics, Commerce, Finance, Accounting or related field from HEC recognized institution.
Experience: (as of last date of submission of application)
Minimum 03-years’ relevant experience (Post qualification).
Age: (as of last date of submission of application)
40 Years maximum.
Number of Vacancies:
01
Job Location:
Islamabad
Details:
Job Description:
- Generate, review and analyze credit reports including DataCheck, eCIB and NADRA Verisys, to assess applicants’ creditworthiness.
- Review credit applications to ensure they are processed in accordance with the Company’s approved Credit Policies, SBP Prudential Regulations and internal guidelines.
- Verify the completeness and accuracy of all mandatory documents submitted with credit applications.
- Ensure that KYC and related customer information is accurately captured in the system and is consistent with the supporting documents.
- Review Income Estimation, Property Valuation, Site Inspection and Legal Opinion reports in accordance with prescribed SOPs and approved guidelines.
- Identify discrepancies, deficiencies, exceptions or policy deviations in credit proposals and advise the concerned branch to rectify the deficiencies or obtain the necessary approvals/waivers.
- Verify Loan-to-Value (LTV), Debt Burden Ratio (DBR) and Credit Sanction Advice (CSA) calculations to ensure compliance with the Credit Policy and SBP Prudential Regulations.
Competencies:
- Sound knowledge of SBP Housing Prudential Regulations
- Strong understanding of mortgage products, processes and credit risk management principles
- Good communication, presentation & interpersonal skills
- Strong analytical, research, report writing and decision-making skills
- Relationship/Team management skills