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: (Post qualification):
Minimum 03-years’ relevant experience.
Age: (as of last date of submission of application)
40 maximum.
Number of Vacancies: 01
Job Location: Karachi
Details:
Job Description:
- Review credit applications to ensure they are processed in line with the company’s approved credit policies and guidelines.
- Ensure all mandatory documents are complete and properly attached.
- Verify that KYC and related information is correctly entered in the system and matches the supporting documents.
- Review Income Estimation, Property Valuation, Site Inspection and Legal Opinion reports as per prescribed SOPs/guidelines.
- Check LTV, Debt Burden Ratio (DBR) and Credit Sanction Advice (CSA) calculations in accordance with Credit Policy/ Prudential Regulations.
- Identify discrepancies, deficiencies or policy deviations and advise the concerned branch for correction or obtaining necessary approvals / waivers.
- Generate and review credit reports including DataCheck, eCIB and NADRA Verisys.
Competencies:
- Sound knowledge of SBP Housing Prudential Regulations
- Strong understanding of mortgage products, processes and credit risk fundamentals.
- Good communication, presentation & interpersonal skills
- Strong research writing, analytical & decision-making skills.
Relationship/Team management skills