|JOB TITLE||AGRICULTURE CREDIT OFFICER (ISLAMIC)|
|TOTAL BANKING EXPERIENCE||01 YEAR AGRICULTURE FINANCE EXPERIENCE IN A BANK.|
|SPECIFIC DESIGNATION||AGRICULTURE CREDIT OFFICER (ISLAMIC)|
|QUALIFICATION||MINIMUM EDUCATION REQUIRED IS BACHELOR DEGREE IN IT OR ANY OTHER EQUIVALENT RELATED DEGREE FROM AN HEC RECOGNIZED UNIVERSITY OR REPUTABLE FOREIGN UNIVERSITY.|
Follow the business plan in accordance with the overall strategy.
Achieve targets and other budgeted financial metrics on the product, business line revenue & profitability by following communicated business plans and strategies.
Market the products to existing/ prospective customers and work in close coordination with head agriculture finance to ensure that overall marketing efforts are synergized.
Develop, enhance and maintain relationships with existing and new clients to ensure that revenue/profit targets are met/exceeded.
Provide support and care services to the customer during their relationship with the bank to ensure high-quality relationship management.
Identify and assess the customers’ requirements for agricultural products and provide guidance in the completion of application forms along with a selection of the right product, utilization of funds, and adoption of improved farming practices, etc.
Perform analysis of customers’ credit profiles and assess their viability for the bank with respect to the risk inherent in the extension of credit facilities to the customer.
Develop credit proposals/ interim modification requests and evaluate/ recommend the credit limit.
Ensure that the products and the associated limits proposed/ requested by the customer fulfill the business needs.
Maintain close coordination with customers and ensure monitoring of customer account and follow up on repayments.
Ensure that all documentation for credit proposals is complete and there is no security shortfall.
Monitor continuously the relationships assigned and ensure that documentation/ limit management aspects are valid / complied with to mitigate the bank’s risk.
Facilitate in the resolution of customer complaints with respect to agriculture finance business and ensure maximum possible customer satisfaction.
Monitor the financial health and other developments in the client’s business and industry to be able to meet their demands accordingly.
Keep updated with all the circulars (internal as well as regulatory) and ensure compliance with policies and applicable regulatory requirements.
Periodic on-site visits to the assigned areas for compiling the required information.
Perform any other responsibility as assigned by the head of agriculture finance and any other competent authority from time to time.
in case the degree is obtained from a foreign university, an equivalency certificate from HEC is to be submitted by the candidates at the time of interview to validate that they possess the required education.
Market-based salary commensurate with experience and qualification will be offered to the right person.
Management reserves the right to select or reject any application.
How To Apply?
You Can apply from the Bank Of Khyber Official Website (https://bok.com.pk/career)