Job Overview
MCB Bank is hiring a Credit Officer (Relationship Officer - Assets) in Retail Banking to support and implement sales strategies for the branch's asset and credit portfolio. The role targets new-to-bank growth by increasing the asset portfolio volume while observing strict compliance with the credit manual, SBP policies and circulars, and KYC/AML procedures. The officer handles the branch's asset and credit portfolio under the supervision of the credit manager or branch manager, assisting in evaluating, screening and drafting credit proposals. Key accountabilities include selling asset products to new-to-bank clients after evaluating financial risks and obtaining legal advice, and commencing the credit initiation process by gathering information and drafting proposals aligned with credit policies and SBP prudential regulations. The role prepares credit approvals correctly per bank policy, ensures no security shortfall with complete proposals for disbursement, and monitors performance through MIS reports with follow-ups on recoveries and classified finances. Timely credit statements and CRMIS data, plus balancing of related GL heads and books, complete the duties. Targets include a minimum Rs.150 million asset volume with 25 percent growth and at least 50 customers. Candidates need a graduate degree (MBA preferred), knowledge of credit risk analysis and SBP prudential regulations, and 2-3 years of banking experience.