Relationship Officer SME

Mobilink Microfinance Bank Ltd; Bahawalpur Division; On-site; PKR 446,400 - 558,000; Full time

Job summary

Mobilink Microfinance Bank Ltd is hiring a Relationship Officer SME in Bahawalpur. This role focuses on managing and cultivating relationships with small and medium-sized businesses to meet their financial needs. Key responsibilities include implementing sales strategies, conducting market assessments, and ensuring compliance with bank policies. Ideal candidates should have a Bachelor’s degree, preferably an MBA, and 1-2 years of experience in a related field. Join us to drive growth and support our client base effectively.

Qualifications

• Bachelor’s degree from a reputable institution, MBA preferred.
• At least 1–2 years’ experience in a related field.

Responsibilities

• Manage relationships with small and medium-sized business clients.
• Implement sales/service plans to achieve growth objectives.
• Conduct market assessments to identify new opportunities.
• Ensure compliance with bank’s policies and procedures.

Skills

Relationship management

Sales strategy

Market assessment

Customer communication

Loan compliance

Education

Bachelor’s degree

MBA preferred

Job description

What is Relationship Officer SME - MMBL?

• In Mobilink Bank, a Relationship Officer SME (Small and Medium Enterprises) is typically responsible for managing relationships with small and medium-sized business clients. Their primary focus is on cultivating and maintaining strong relationships with SME clients to meet their financial needs and objectives while also driving revenue growth for the bank.

What Relationship Officer SME - MMBL does?

• Implement the approved sales/service plans to achieve growth objectives of the bank by agreeing micro level sales/service delivery plans with BM/RM.
• Conduct market assessment/research to identify selling possibilities and new markets/areas and review the existing market/areas for final decisions in consultation with line manager.
• Sells products by establishing contact and developing relationships with customers as per defined SOP of the bank.
• Achievement of targets/objectives of sales in assigned areas with best ethics and moral practices by following SOPs.
• Ensure target achievement through genuine sale by avoiding family loaning, activist base lending and adjustment lending.
• Make business of company profitable through sales of loans and enhancement of number of customers by following SOPs of the bank.
• Marketing of company products and make strategy in this regard.
• Identify business opportunities by identifying prospects and evaluating the position of the industry.
• Evaluate customer profile by adopting the five C’s of credit.
• Disseminate terms and conditions of the products offered to the customers.
• Ensure on track performance by conducting physical verification of prospective clients.
• Ensure proactive collection, pursue timely repayment of loans by communication with clients and ensuring 100% collections of loans by following SOPs of the bank.
• Extra care must be taken while handling customers' legal documents to avoid any misuse.
• Guide customers to deposit their loan repayments at cash counter only.
• Avoid cash handling of any customers of the bank while performing RO function; however, in case of collection from field, proper strict compliance of collection manual must be ensured.
• Prepare weekly field activity planner and deviation marking in consultation with LM.
• Ensure monthly/quarterly meeting of customers as per defined products program.
• Conduct loan booking in strict compliance with bank’s policies, procedures, ethics, and standards.
• Ensure continuous review of product and services related knowledge and recommend areas of improvement through personal/client feedback.
• Meet internal service standards and ensure no service-related complaints are received from customers by following bank fair treatment of customer policy.
• Develop and sustain long-lasting relationships of the bank with customers.
• Report cases with intent of fraud or prospective loss to the bank by internal or external customers in any form to his line manager/HOD.
• Ensure compliance of bank products SOPs and SBPs rules and regulations.
• Safeguard the bank’s reputation to avoid any financial, operational and market loss by adopting internal control standards in true letter and spirit.

Qualifications

• Hold a Bachelor’s degree from a reputable institution; MBA preferred.
• Preferably have at least 1–2 years’ experience in a related field.

Job Locations

Bahawalpur Branch (01)