发布 Aug 07, 2024 491 查看
- The Credit Administration Manager is responsible for planning, organizing, and executing the MMBL s Credit Administration activities, including Legal Implementation, Disbursement, Collateral Management, Credit File Management, and Legal Collections. The manager must ensure that all Legal and Credit Administration risks are addressed as part of deal development
- Strategic Function
- Design, review, and implement credit administration structures and procedures within the bank through continuous interaction with the various divisions/departments/units/branches.
- Formalize the loan agreement, promissory note, and collateral documentation in coordination with the Legal department to safeguard the Bank s interests.
- Ensure the finalization of loan security/support documents in coordination with relevant stakeholders and forward them to CCF for approval prior to implementation.
- Close coordination with RBMs, Branch Managers, and Credit Verification Unit to strengthen branch CAD function.
- Branch & Back Office Operations
- Lead a Credit Admin Unit team to ensure the smooth functioning of CAD operations.
- Supervise Staff Finance desk for timely processing of staff loans
- Provide guidance & support to the CAU team about policy and procedures, regulations, systems, etc.
- Ensure coordination between the branch and the relevant desks of the Head Office for the resolution of issues, procedural clarifications, and system and technology matters.
- Make efforts to identify possible opportunities to increase efficiency in loan processing without compromising on quality documentation
- Supervision of Credit Admin Unit
- Ensure effective monitoring of CAU KPIs through MIS, reports, planners, branch visits, and various analyses.
- Impart training to CAU on weak areas, new products, new system developments, and procedural changes.
- Ensure effective review of periodic and surprise audit reports related to CAU operations.
- Compliance
- Lead the team to address operational gaps and ensure the effectiveness of internal controls while taking up relevant control functions for improvements and fixation.
- Guide & supervise a team to address & close audit observations within the stipulated timeframe.
- Ensure that fraud risks, operational gaps, and lapses in processing credit cases/staff loans are identified, reported, and minimized with the help of relevant control functions.
- Coordinate with the bank s legal function to appoint lawyers to furnish legal opinions promptly.
- Manage panel of PBA valuators/ Vendors/ Vehicle Dealers to support Business as and when needed.
- Ensure a global database of all approved valuators/ Vendors/ Vehicle Dealers is maintained in the processing of credit cases
- People Management
- Ensure effective performance appraisal of the CAU Team.
- Approve staff transfers, resignations, rotation & promotions on the recommendation of Line Managers
- Review training modules of the CAU Team to ensure that staff is trained and possesses the required skills.
- Conduct TNA of CAU staff in coordination with HR and make appropriate recommendations for capacity building.
- Audits
- Facilitate internal/external audits & SBP inspections for CAU-related areas and support resolving audit/inspection findings.
- Additional Tasks
- Manage any additional assignments assigned by management.
- Preferably, a Bachelor of Business Administration or equivalent degree in Finance, Commerce, or Economics with a top-quartile grade from an HEC-recognized overseas institution.
- Any professional certification would be an added advantage.
- At least five years experience in credit risk management, credit administration, monitoring, and control, with at least two years experience at the senior/policy level in commercial banks/MFBs/DFIs.
Mobilink Bank
Mobilink Bank is providing banking services to over 42 million registered users including 16+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 100 branches and 200,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion. MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.
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