Job Description

(total positions: 1, posted on: September 11, 2024)

Business Growth (60%)

• Implements activities related to enrollment of potential MSME loan borrowers, advising to Bank’s customers on the issues related to loan types and lending terms.
• Develops and analyzes socio-economic and financial statements (cash flow, income statement etc) of the customer in order to access the financial soundness of the business and his repayment capacity.
• Summarizes necessary documents due to enrolment in loan issue and prepares loan packages.
• Submits loan applications for consideration to defined line management as per set TATs.
• Gains insight on competitor\'s product offerings for MSME clients and provide feedback to the line manager

Portfolio Management (30%)

• After provision of the loan, implements its monitoring in compliance with internal legal regulations of the Bank until the whole maturity of the loan.
• Maintains continuous contact with MSME clients so that loan and repayment is recovered on timely basis or through other elements included in Telenor bank’s distribution channel.
•  Implements supervision over loan portfolio serviced by position holder. In case of the existence of a problematic loan undertakes measures for disclosing and resolving the problem, after consulting with line management with in branch or region or head office level.
• Execute identification within the framework, monitoring of the clients and carry out other activities stipulated by the internal regulations of the Bank.
• Collect recoveries and increase non cash recoveries using easy paisa channels.

Compliance (10%)

• Conduct, complete and process MSME loan booking / documentation in strict compliance with Telenor bank’s policies, procedures and ethical standards.
• Thoroughly review of Telenor Bank’s policy & processes to understand products and processes.
• Implements possible risk evaluations related to lending obligations of the customer and maturity of loans.
• Responsible for sales and recoveries without involving any outside person or activist against sharing of incentives or kickbacks.
• Incumbent shall be responsible to adhere by Telenor Microfinance Bank Behaviors & Values in all aspects of his/her work conduct.
• Ensure that a culture of risk and compliance management is implemented, and institute performance measures tied to individual risk and compliance responsibilities.
• Responsible for managing compliance risk ‘inherent’ in their day-to-day activities, processes, and systems for which you are accountable. This includes the responsibility of business lines to own, develop, and update systems, policies, processes, and procedures to manage compliance risk inherent in their day-to-day activities.

Required Skills