Title: Relationship Officer - Assets
Total Position: 35+
Industry: Banking/Financial Services
Category: Financial Services
Type: Permanent ( firstshift )
Department: Commercial Branch Banking Group
Location: Islamabad, Lahore, Faisalabad, Gujranwala, Multan, Peshawar, Quetta, Rawalpindi
Minimum Education: Bachelors
Degree Title: Graduate Degree from a recognized university (preferably MBA)
Career Level: Experienced (Non-Manager)
Required Experience: 2 Years - 3 Years
Apply By: Mar 24, 2010
Posted On: Dec 29, 2009
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Job Description:
JOB PURPOSE
Provide assistance and implement sales strategies for managing asset and credit portfolio of the branch and achieving new-to-bank growth targets (increasing volume of asset portfolio) while observing strict compliance of credit manual, SBP policies, circulars, KYC / AML policies and procedures.
JOB CONTEXT NATURE AND SCOPE OF THE ROLE
The role is responsible in handling asset / credit portfolio of the branch under the supervision of credit manager or branch manager (where applicable). It assists in evaluating, screening and drafting proposals based on strict guidelines and ensures decisions are inline with the risk management policies by maintaining the turnaround time and quality of decision making to agreed standards.
PRINCIPAL ACCOUNTABILITIES
1.Selling of asset products to new-to-bank clients after evaluating financial risks and obtaining legal advice to achieve asset sales targets. Carry out the valuation of properties for liquidation by following banks defined procedures.
2.Commence the credit initiation process by gathering information and drafting credit proposals, to ensure credit decision making is in line with credit policies, SBP, Prudential Regulations and overall business objectives.
3.Prepares credit approvals for customer by ensuring credit applications are correctly prepared in accordance with the banks policies.
4.Ensures there is no security shortfall and the credit proposal is complete for disbursement of all finances as per credit manual / circulars.
5.Monitors performance through MIS reports and presents results to management at regular intervals for watch list accounts with follow-ups for recoveries & handling of classified finances by issuing legal notices
6.Timely preparation & submission of all required credit statements & CRMIS data to improve the credit process and provide marketing support to credit products.
7.Balancing of all related GL heads & books to ensure the balances are inline with the number of transactions done.
Required Skills:
KNOWLEDGE AND EXPERIENCE
Knowledge and Skills
- Graduate Degree from a recognized university (preferably MBA)
- Knowledge of Credit Risk Analysis,/Credit Risk Governance Frame Works & Practices and SBP Prudential Regulations
- Understanding of banking operations, money markets, regulations and risk management
Experience Profile
Banking experience of 2-3 years
Behavioral Competencies
Good communication/interpersonal skills, approachable & friendly
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