Mobilink Microfinance Bank Ltd. is hiring Verification Officer

Department: Credit Management
Grade: OG-I
Job Type: Permanent
Positions: 1

The Verification Officer will support branches in achieving business targets while maintaining prudent credit risk standards. The role involves reviewing loan applications, conducting pre-approval and post-disbursement verifications, assessing borrower information and creditworthiness, ensuring compliance with credit policies, and supporting branch staff through training and capacity building.

Key Responsibilities

• Review loan files independently for accuracy, completeness, and compliance with credit policies.
• Identify discrepancies and coordinate their rectification before further processing.
• Participate in Branch Credit Committees and provide independent recommendations on loan approvals or rejections.
• Maintain MIS records of loan applications received, processed, and rejected.
• Analyze rejection reasons and share findings with relevant stakeholders.
• Conduct pre-approval verification through physical visits or telephone verification.
• Verify borrowers, businesses, home addresses, business addresses, and loan information.
• Assess applicants' creditworthiness, reputation, repayment capacity, and credit history.
• Conduct post-disbursement verification on a sample basis and report findings.
• Identify serious compliance issues and immediately report them to management.
• Ensure implementation of credit policies, procedures, guidelines, and regulatory requirements.
• Ensure policy exceptions are properly obtained and documented before approval.
• Provide credit assessment and monitoring training to branch staff.
• Physically verify goldsmith credentials before onboarding them onto the branch panel.
• Conduct quarterly verification of goldsmiths and submit reports to Head Office.
• Supervise the gold auction process.
• Perform other duties assigned by the Line Manager.

Education

Bachelor's degree from a reputable institution in:

• Business Administration
• Banking & Finance
• Agriculture
• Economics
• Accounts

Experience

3–5 years of relevant credit and related experience

Skills & Competencies

• Credit assessment and verification
• Loan file review
• Risk assessment
• Credit policy compliance
• Customer verification
• Financial and credit analysis
• Report preparation and MIS management
• Communication and interpersonal skills
• Attention to detail
• Decision-making and problem-solving

Company Overview

Mobilink Microfinance Bank Limited (MMBL) is a leading microfinance and digital banking institution in Pakistan, providing financial services through branches, branchless banking agents, and digital channels. The bank focuses on financial inclusion, innovation, entrepreneurship, teamwork, and customer-centric banking.

🔎 Source: Official Careers Portal
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