Duties & Responsibilities: 

Physical Verification of All credit files such as (Agricultural Loan, House Loan, Business Loan, Gold Loan, Pension Loan, Live Stock Loan, Asd Loan and etc.)
Client verification about repayment capacity
Prepare income estimation report of client
Physical visit at client business setup for verify the originality of business
Check all the Legal Procedures of House Loan. Such as (MOTD, Sales Agreement, TOKEN Mortgage)
Thoroughly study & check of Legal Opinion
Collateral Verification such as (Manual Fard , Computerized Fard, Title documents of property, Pass Book) from Patwar Khana & Land Revenue office on customer respective area
Post disbursement visit of house loan after three month to ensure that loan is use on house build not else
Physical visit to guarantors business setup for verification
Also member of BCC (For finalized credit decision)
Maintenance of the daily MIS Report (Share the regular report about the approved & rejected  cases along with strong reasons to branch & upper management)
Surprise Cash Count and check the operational activity of  branch
Report scam or fraud if found any in branch
Cross verify the loan files of other Branch Risk Officer
Re-Evaluation of Gold Pouch Ornaments
Re-Evaluation of legacy portfolio of branch

Ø  Take demand from Supply Chain Department.
Ø  Analysis on demand, that which vendor & place is suitable for the company.
Ø  Find raw material with good quality and low cost.
Ø  Do meeting with Supply Chain Department for demands.
Ø  Take detailed schedule from the vendor and after that make a follow up call.
Ø  Assure that material should reach at right place & right time.
Ø  Make a payment schedule.
Ø  Make a logistics schedule.