Client Relationship Assistant 2

1. Program Orientation, Client Selection and Management
· Explain loan products, eligibility criteria, policy and procedures to potential customers.
· Arrange and conduct interviews with applicants and carry out field visits for those who satisfy the preliminary assessment.
· Check the creditworthiness of applicants and applicant’s collateral.
· Evaluate applications on the basis of information submitted and compiled, and prepare recommendations for senior management.
· Ensure that the loan is used for the purpose stated in loan application.
· Identify need for technical and enterprise management trainings and provide business counselling to clients.

2. Policy Compliance and Data Management
· Ensure 100% compliance with existing policy and procedures of Islamic Microfinance Program.
· Maintain proper files and record of client, ensure data privacy and prepare periodic reports as guided by senior management.

3. Portfolio Management
· Ensure recovery collection from clients as per agreed repayment schedule.
· Maintain portfolio quality and performance indicators.
· Implement zero tolerance strategy in case of non-payment, and make firm recovery follow up with delinquent/default clients. Any other tasks assigned by the Management.

PERSON SPECIFICATION
It is essential that the post holder shows a good understanding and sympathy with Islamic values and principles as well as commitment to Islamic Relief Worldwide vision, mission and core values.
Essential:

Knowledge, Skills and Qualifications
· A Graduation degree in Business Studies/ Economics/Commerce
· Strong organisation skills to every detail to ensure high quality in the work.
· Ability to prioritise and work efficiently under pressure and subject to changing priorities; proven experience of, meeting deadlines, and using judgment and initiative in problem resolution.
· Excellent communication (verbal & written) and interpersonal skills, with command on written and spoken English in particular.
· Ability to work with a range of senior managers, peers and junior colleagues and build smooth working relationships

Experience

• Minimum One years of work experience in the marketing/Microfinance/Sales/Banking.
• A good working knowledge of governmental and financial regulations and laws. These can include consumer regulations, State Bank regulations,
• First hand working experience in the field and portfolio management.

Key Personal Qualities
· Strong emotional intelligence and resilience, and able to maintain composure - acting in a calm and measured way, in difficult situations.· Strong & confident communication skills which delivers information persuasively and with clarity in a wide range of situations.
· Has a positive demeanour and disposition, and able to overcome setbacks by motivating self and others
· Has a learning attitude and a continuous improvement philosophy.

Desirable:
· Relevant experience of working with Microfinance /development sector/INGOs
· Working knowledge of regional l languages of Pakistan.