Verification Officer

Khanewal; Lahore; On-site; PKR 850,000 - 1,100,000; Full time

Job summary

Mobilink Microfinance Bank Ltd. is seeking a Verification Officer to support branch targets while upholding prudent credit risk standards.

The role covers reviewing loan applications, pre-approval checks, and post-disbursement verifications to ensure policy compliance. Ideal candidates hold a Bachelor's in Business Admin, Banking & Finance, Economics or related fields with 3–5 years of credit banking experience and are ready to work in a dynamic credit management environment that supports

Qualifications

• Bachelor's degree in listed fields.
• 3–5 years of relevant credit/banking experience.
• Knowledge of credit policies and CIR (Credit Information Report).

Responsibilities

• Conduct independent desk reviews of loan files for accuracy and policy compliance.
• Identify discrepancies in loan applications and ensure timely rectification.
• Participate in Branch Credit Committees and provide recommendations on approvals/rejections.
• Maintain MIS records of loan applications and outcomes.
• Perform pre-approval verifications via visits or calls and verify borrower information.
• Conduct post-disbursement verifications and report findings to management.
• Ensure adherence to credit policies and prudential regulations.

Education

Bachelor's degree in Business Administration, Banking & Finance, Agriculture, Economics, Accounts

Job description

## Verification OfficerFull Job Details#### Job Description**Department:** Credit Management **Grade:** OG-I **Job Type:** Permanent **Positions:** 1## Job DescriptionThe **Verification Officer** is responsible for supporting branch business targets while maintaining prudent credit risk standards. The role involves reviewing loan applications, conducting pre-approval and post-disbursement verifications, assessing borrower information and creditworthiness, ensuring compliance with credit policies, and supporting branch teams in improving credit quality.Browse Careers### Key Responsibilities* Conduct independent desk reviews of loan files for accuracy, completeness, and compliance with credit policies.* Identify discrepancies in loan applications and ensure timely rectification before further processing.* Participate in Branch Credit Committees and provide independent recommendations on loan approvals or rejections.* Maintain MIS records of loan applications received, processed, and rejected.* Analyze and consolidate reasons for loan rejection and share findings with relevant stakeholders.* Conduct pre-approval verification through physical visits or telephone verification, as applicable.* Verify borrowers' identity, residence, business activities, reputation, repayment capacity, and loan purpose.* Cross-check home and business addresses and document verification observations.* Review applicants' credit history through CIR and ensure compliance with applicable regulations and policies.* Conduct sample-based post-disbursement verifications and report findings to management.* Identify serious compliance issues and immediately report them to line management.* Ensure adherence to credit policies, procedures, guidelines, and prudential regulations.* Support implementation of updated credit policies and procedures at branches.* Ensure required exceptions are properly obtained and documented before approval.* Provide functional training and capacity-building sessions to branch staff on credit assessment and monitoring.* Physically verify goldsmith credentials before onboarding them onto the branch panel.* Conduct quarterly verification of goldsmiths and submit verification reports to Head Office.* Supervise the gold auction process.* Perform any other duties assigned by the Line Manager.## Eligibility Criteria**Education:** Bachelor's degree from a reputable institution in **Business Administration, Banking & Finance, Agriculture, Economics, Accounts**, or a related field.**Experience:** 3–5 years of relevant **credit and related banking experience**.## About Mobilink Microfinance BankMobilink Microfinance Bank Ltd. (MMBL) is a leading microfinance bank in Pakistan, combining traditional banking services with digital and mobile banking solutions. The bank focuses on financial inclusion and provides a wide range of services including savings, micro-enterprise loans, housing finance, remittances, mobile wallets, insurance, utility bill payments, and digital payment solutions.Explore History### Why Join MMBL?This opportunity is ideal for professionals looking to build a career in **credit management, banking operations, risk assessment, and financial services** while contributing to financial inclusion and responsible lending in Pakistan.