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    U Bank

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    palmw8007
    The position is responsible for assisting in building and maintaining a healthy financing portfolio at Ubank in accordance with financing policies, procedures, and Shariah guidelines. This includes supervising verification officers to ensure adequate controls during financing approval and identifying any non-compliant or unethical practices. The role also monitors portfolio quality, addresses issues identified in assessments, and ensures staff training and compliance with credit operations standards.

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    U Bank

    Uploaded by

    palmw8007
    9 views3 pages
    The position is responsible for assisting in building and maintaining a healthy financing portfolio at Ubank in accordance with financing policies, procedures, and Shariah guidelines. This includes supervising verification officers to ensure adequate controls during financing approval and identifying any non-compliant or unethical practices. The role also monitors portfolio quality, addresses issues identified in assessments, and ensures staff training and compliance with credit operations standards.

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    The position is responsible for assisting in building and maintaining a healthy financing portfolio at Ubank in accordance with financing policies, procedures, and Shariah guidelines. This includes supervising verification officers to ensure adequate controls during financing approval and identifying any non-compliant or unethical practices. The role also monitors portfolio quality, addresses issues identified in assessments, and ensures staff training and compliance with credit operations standards.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    9 views3 pages

    U Bank

    Uploaded by

    palmw8007
    The position is responsible for assisting in building and maintaining a healthy financing portfolio at Ubank in accordance with financing policies, procedures, and Shariah guidelines. This includes supervising verification officers to ensure adequate controls during financing approval and identifying any non-compliant or unethical practices. The role also monitors portfolio quality, addresses issues identified in assessments, and ensures staff training and compliance with credit operations standards.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    of 3

    of the position is to assists to build & maintain healthy financing portfolio of Ubank.

    Through a team of Verification Officers, the incumbent will ensure compliance of


    financing Policy & Procedure and Shariah guidelines that adequate controls are
    maintained while extending financing to borrowers. Scope includes to identify the
    Service Quality Laps, Financing assessment, verification of credit worthiness, and
    supervisory review of assigned Verifications officers. This positon is also responsible to
    monitor Sharia compliance & reporting of any unethical & non sharia practices.

    Job Responsibilities

     Financing Procedures and Compliance as per bank Credit Operation Manual


     Supervise and manage the team of Verification Officers and ensure their
    independence at branches & at area level.
     Ensure that VOs are properly trained on Shariah Policy & guidelines, bank
    credit / financing products, analysis, field verifications, and documentations etc.
     ACA is responsible to develop ability to detect early warning signals that may
    impact financing portfolio, customer service’s Bank reputation or any risk involve
    in the business.
     Ensure VOs Perform pre disbursement physical verification(s) as per policy,
    procedures and as per criteria / frequency defined from time to time & Conduct
    periodic sampled based field & branch’s visit for portfolio review & quality
    assurance.
     Maintain branch wise VO file processing Log of all cases received / approved /
    forwarded/ rejected or declined & same to be reported to area, region & HO
    level. This report will also be used as tool for capacity building of VO’s &
    customer service improvement.
     Address issues in credit assessment identified through supervisory reviews,
    internal / external reviews
     Work as VO backup in case of VOs leaves or non-availability in any canvas of
    the bank i.e IMD, Urban, Rural etc
     Any other task assigned by Line Manager or departmental Head.
     Portfolio Reviews and Service Quality
     Review/ Monitoring of financing portfolio quality / non performing finance cases of
    assigned branches to meet service standards and establish feedback loop with
    branches and Head Office to identify the reasons of default including portfolio
    frauds (if any) in a timely manner
     Monitor in close coordination with the Credit & Risk the rectification of pre
    disbursement irregularities and report on post disbursement irregularities.
    Measure and forecast default risk on credit exposures across various portfolios
     Assure credit policy & procedural changes are implemented in branches by
    VOs /RM.s /BMs
     Report any noncompliance, Risk, fraud or any unusual activity at branches to
    Credit & Risk Department
     To follow & implement Bank whistle blowing policy
     Conduct periodic sampled based field & branch’s visit for portfolio review &
    quality assurance
     Reporting, Record/ Data Maintenance
     Ensure Adequacy and timelines of Daily / Weekly / Monthly Reports, data to
    Head Office as per schedule guidelines
     Maintain and Secure from unauthorized access related record Data/ Information
    as per defined procedures
     Reporting of monthly FPL, Rejection Reports, Attendance Report, Customer’s
    /guarantor visits pictures etc.
     Inter departmental reporting with Risk, compliance, Audit with prior informing to
    line manager /HoD
     Any business report, analysis, inquiry, task or PIBAS sanctioning assigned by
    line Manager or HoD
     Staff Development, Discipline & Co-ordination in the Branches
     Ensure to build the Capacity of assigned staff for improving performance &
    Impart training to cope up with raising Credit /Financing Quality Standards.
     To ensure & conduct online, off-site & on site staff trainings as per staff need or
    as per instructions from credit department, HR etc
     Provide guidance to the assigned team for functional understanding and credit or
    financing evaluation process.
     Ensure and Maintain day to day discipline in branches of respective Verification
    Officers as per policies & Procedures.
     Coordinate & align activities with branch management to cope with seasonal
    business fluctuations & credit cases flow.

    Technical Competency and Skills

     Sound knowledge of Ubank products/ process and polices especially Islamic or


    sharia mode of financing of Musharaka, Salam, Murahaba, Ijara etc
     Thorough knowledge of SBP Microfinance prudential regulations & Islamic
    banking circulars & ability to identify noncompliance and put in place mechanism
    to assure compliance
     Working knowledge of banking computer based software & systems of
    Microfinance market niche & Microfinance & sharia based products
     Overall Market and competitor knowledge, products knowledge of other Banks
    /DFI etc
     Strong Portfolio analysis & monitoring skills. Knowledge of credit /financing
    analysis and prudent judgmental skills, Also Ability to judge portfolio frauds.
     Proficient at using system, MS Office, emails, PIBAS, Jaspher, DLA, online
    portals etc
     Effective Interpersonal Skills, Communication, Team Building and Management
    abilities.
     Ability to withstand and handle business pressure from credit side and ability to
    convince them regarding credit decisions.

    Education

     Minimum: B.Com/ BBA /BSc/BA


     3-5 years’ credit or financing related field level experience preferably in Islamic
    Banking
     Strong communication, reporting, drafting & presentations skills

    REQUIRED SKILLS
    Islamic Banking,Rural Markets,New Markets Tax Credits,MS Excel

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