Relationship Officer SME

Khanewal; Karachi Division; On-site; PKR 670,000 - 1,004,000; Full time

Job summary

Mobilink Microfinance Bank Limited (MMBL) is seeking a Relationship Officer SME for its Gulistan-e-Johar branch in Karachi. You will develop relationships with small and medium-sized business clients, promote banking and loan products, and help achieve sales targets while ensuring compliance with bank policies.

The role requires strong communication, customer service skills, and the ability to assess creditworthiness, conduct site visits, and process loan applications according to procedures.

Qualifications

• Bachelor's degree in a reputable institution; MBA preferred.
• Experience in SME banking or related roles is an advantage.
• Strong communication and relationship-building abilities.

Responsibilities

• Develop relationships with SME clients and promote banking products.
• Achieve sales targets while ensuring compliance with policies.
• Assess creditworthiness and conduct site verifications according to procedures.
• Handle loan processing, documentation, and timely repayments.
• Maintain high customer service standards and address inquiries effectively.

Skills

Communication skills

Customer relationship management

Education

Bachelor's degree

MBA

Job description

\"# **Relationship Officer SME - Mobilink Microfinance Bank Ltd. - Karachi - Sindh**#### Job Description**Department:** Business Banking**Grade:** OG-III**Job Type:** Permanent**Number of Positions:** 1**Education:** Bachelor's Degree from a reputable institution**Preferred Qualification:** MBA**Experience:** Preferably 1-2 years of relevant experience**Employment Level:** Officer Level## Job DescriptionMobilink Microfinance Bank Limited (MMBL) is seeking a motivated and customer-focused Relationship Officer SME for its Gulistan-e-Johar Branch in Karachi. The successful candidate will be responsible for developing relationships with small and medium-sized business clients, promoting banking and loan products, achieving sales targets, and ensuring compliance with the bank's policies and procedures.## Key Responsibilities* Implement approved sales and service plans to achieve business growth targets.Buy Maps* Conduct market research to identify potential customers and new business opportunities.* Build and maintain strong relationships with SME customers.* Promote and sell banking products and loan facilities according to established procedures.* Achieve assigned sales targets while maintaining ethical business practices.* Identify prospective customers and assess their creditworthiness using the Five Cs of Credit.* Explain product features, terms, and conditions to customers.* Conduct physical verification of prospective clients.* Ensure timely loan repayments and follow up with customers to support effective loan recovery.* Handle customer and legal documents carefully to prevent misuse.* Follow the bank's cash-handling and loan collection procedures.* Prepare weekly field activity plans in consultation with the line manager.* Conduct customer meetings according to the relevant product guidelines.* Process loan applications in compliance with the bank's policies and procedures.* Maintain high customer service standards and address customer concerns effectively.Job Search Platform* Monitor customer feedback and recommend improvements in products and services.* Report suspected fraud and potential financial losses to the relevant management.* Ensure compliance with bank policies, internal controls, and State Bank of Pakistan (SBP) regulations.* Protect the bank's reputation by following ethical standards and risk management procedures.## Eligibility Criteria* Bachelor's degree from a reputable institution.* MBA qualification will be preferred.* Preferably 1-2 years of relevant experience.* Strong communication and customer relationship management skills.* Ability to achieve sales targets and identify business opportunities.* Knowledge of SME banking, loan products, credit assessment, and customer service will be beneficial.* Commitment to ethical practices and compliance with banking policies.## About Mobilink Microfinance Bank LimitedMobilink Microfinance Bank Limited (MMBL) provides financial services across Pakistan through a combination of traditional microfinance and digital banking solutions. Its services include savings accounts, microenterprise loans, small housing loans, remittances, mobile wallets, insurance, utility bill payments, and other digital payment solutions.Banking Career PathsMMBL aims to promote financial inclusion by making accessible financial services available to individuals, entrepreneurs, and businesses.Joining MMBL offers an opportunity to contribute to financial inclusion, support small and medium-sized businesses, and develop professional experience in banking and customer relationship management. The bank emphasizes innovation, teamwork, collaboration, and customer-focused service.Interested candidates should review the eligibility criteria and submit their applications through the official MMBL careers portal before the closing date.| **Source:** Official Careers Portal| **Disclaimer:** We only share verified job listings and are not the hiring authority.## Relationship Officer SMEFull Details