Relationship Officer SME

Mobilink Microfinance Bank Ltd; Gujrat Division; On-site; PKR 334,800 - 558,000; Full time

Job summary

Mobilink Microfinance Bank Ltd is seeking a Relationship Officer SME in Punjab, Pakistan. This role involves managing relationships with Small and Medium Enterprises (SMEs), achieving sales targets, conducting market assessments, and ensuring compliance with bank policies. Candidates should hold a bachelor's degree, preferably with 1–2 years of experience in a related field. The position focuses on cultivating strong client relationships to meet financial needs while adhering to ethical practices.

Qualifications

• Hold a bachelor's degree from a reputable institution; an MBA is preferable.
• Preferably have at least 1–2 years' experience in a related field.

Responsibilities

• Implement sales/service plans to achieve growth objectives.
• Conduct market assessments to identify new markets.
• Sell products by developing relationships with customers.
• Achieve sales targets by following SOPs.
• Ensure proactive loan collection and prompt repayment.

Education

Bachelor's degree

MBA

Job description

Overview

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

Responsibilities

• Implement the approved sales/service plans to achieve growth objectives of the bank by agreeing on 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 the line manager.
• Sell products by establishing contact and developing relationships with customers as per defined SOP of the bank.
• Achieve sales targets/objectives in assigned areas with the best ethics and moral practices by following SOPs.
• Ensure target achievement through genuine sales by avoiding family loaning, activist base lending and adjustment lending.
• Make the company profitable through sales of loans and enhancing the number of customers by following SOPs.
• Market company products and develop strategy in this regard.
• Identify business opportunities by identifying prospects and evaluating the position of the industry.
• Evaluate customers’ profile by adopting the five C’s of credit.
• Disseminate terms and conditions of the products offered to customers.
• Ensure on‑track performance by conducting physical verification of prospective clients.
• Ensure proactive collection, prompt repayment of loans by communicating with clients and achieving 100% collection of loans by following SOPs.
• Handle customers’ legal documents with extra care to avoid misuse.
• Guide customers to deposit their loan repayments at the cash counter only.
• Avoid cash handling of any customers of the bank while performing RO functions; when collecting from the field, ensure strict compliance with the collection manual.
• Prepare weekly field activity planner and mark deviations in consultation with LM.
• Ensure monthly/quarterly meetings of customers as per defined product program.
• Conduct loan booking in strict compliance with bank’s policies, procedures, ethics, and standards.
• Continuously review product and service 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 the bank’s fair treatment of customer policy.
• Develop and sustain long‑lasting relationships of the bank with customers.
• Report potential fraud or prospective loss cases to the line manager/HOD.
• Ensure compliance with bank product SOPs and SBPs rules and regulations.
• Safeguard the reputation of the bank to avoid 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; an MBA is preferable.
• Preferably have at least 1–2 years’ experience in a related field.

Job Location

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