The Loan Officer (MSME) at HBL Microfinance Bank is responsible for identifying and developing business opportunities by promoting loan products to Micro, Small, and Medium Enterprise (MSME) clients. The role involves assessing customers’ financial needs, conducting business and credit evaluations, preparing loan applications, verifying customer information, and ensuring compliance with organisational policies and regulatory requirements.
The incumbent will manage and monitor assigned loan portfolios, maintain strong relationships with clients, ensure timely loan repayments, and proactively identify and address potential repayment issues. The position also requires maintaining accurate documentation, providing quality customer service, supporting financial inclusion initiatives, and contributing to the achievement of branch business targets.
Key Responsibilities
- Identify and approach potential MSME clients within the assigned area.
- Promote HBL Microfinance Bank’s loan products and achieve assigned business targets.
- Assess customers’ financial positions and repayment capacity through business and credit analysis.
- Prepare, verify, and process loan applications and supporting documentation.
- Conduct customer due diligence and ensure compliance with KYC and applicable regulatory requirements.
- Monitor assigned loan portfolios and maintain regular contact with borrowers.
- Ensure timely loan recovery and coordinate the resolution of delinquent accounts.
- Maintain accurate customer records, reports, and loan documentation.
- Cross-sell relevant banking products and financial services where appropriate.
- Ensure compliance with HBL Microfinance Bank’s policies, procedures, and service quality standards.
- Handle customer inquiries and resolve complaints professionally.
- Perform any other duties assigned by management.
Available Duty Stations
Khairpur, Sibi, Taxila, Head Rajkan, Chinari, Nawabshah, Dera Murad Jamali, Aminabad (Hyderabad), Tando Jam, Thatta, Taunsa Sharif, Sheikhupura, Nankana Sahib, Thari Mirwah, Tando Muhammad Khan, and Lodhran.
Important Note
Applicants should apply only for the vacancy available in their respective home city or preferred duty station. Applications submitted for locations other than the applicant’s preferred or relevant duty station may not be considered.