Jobs in MCB | Relationship Officer – Assets

Company: MCB Bank Limited
Total Position: 35+

Job Location: Islamabad, Lahore, Faisalabad, Gujranwala, Multan, Peshawar, Quetta, Rawalpindi
Minimum Education Bachelor’s Degree
Degree Title: Graduate Degree from a recognized university (preferably MBA)
Career Level: Experienced (Non-Manager)
Required Experience: 2 Years – 3 Years

Description:
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.

Nature and 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.

Accountability:
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 bank’s 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 bank’s 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.

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