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Relationship Officer - TJ / 1852442
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Job Description
Our client U Microfinance Bank is looking for a Relationship Officer in Multan,Khanewal,Dunyapur,Shujabad,Tibba Sultanpur,Arifwala,Rajanpur
To build a profitable asset portfolio for the branch by selling and marketing bank products to prospective clients after carefully analyzing their potential to repay loans in a timely manner.
Job Responsibilities
To build a profitable asset portfolio for the branch by selling and marketing bank products to prospective clients after carefully analyzing their potential to repay loans in a timely manner.
Job Responsibilities
- Identify potential clients, both individuals and businesses, in need of loans.
- Establish strong rapport and relationships with clients.
- Act as a salesperson, persuading clients to obtain loans.
- Assist clients in the loan application process.
- Analyze and verify applications to determine clients' creditworthiness.
- Complete documentation in accordance with the bank’s policy.
- Obtain necessary approvals before disbursement from the BCC.
- Disburse loans after all formalities are satisfactorily completed.
- Help clients understand their loan repayment schedules.
- Manage repayment schedules for timely recovery of monthly installments.
- Follow up on delayed payments.
- Initiate collateral liquidation if a client defaults on a loan.
- Prepare daily activity reports to be sent to the BM/HO.
- Mobilize deposits.
- Perform any other tasks assigned by the line manager.
- Achievement of assigned targets for assets and liabilities.
- Experience in the microfinance banking industry is preferred.
- Ability to work under pressure.
- Strong presentation skills.
- Excellent communication skills.
- Bachelor’s Degree in Business, Commerce, or a related discipline.
- 2–4 Years of Relevant Banking Experience
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