Analyst

UBL - United Bank Limited; Karachi Division; On-site; PKR 900,000 - 1,700,000; Full time

Job summary

UBL - United Bank Limited is hiring to support the credit risk function by reviewing credit applications, spotting discrepancies, and ensuring compliance with internal and regulatory standards. You will collaborate with business teams, monitor borrower performance, and maintain accurate MIS.

The role emphasizes timely renewals, data integrity for NTBs and RDEs, and alignment with credit policies and audits within a banking environment.

Qualifications

• Bachelor's degree minimum; Master’s degree in Business / Accounting / Finance preferred.
• 2–5 years banking experience, preferably in Finance/Corporate.

Responsibilities

• Review credit applications to verify accuracy and completeness, highlighting discrepancies for resolution with Relationship Management/Business teams.
• Evaluate and assess the financial position of borrowers using financial statements, and other risk rating models.
• Ensure timely submission and processing of annual renewals for existing clients.
• Maintain and update MIS for NTBs (New-to-Bank customers), RDEs (Review Date Extension), and other CIBG-related data.
• Support adherence to internal credit policies, regulatory guidelines, and audit requirements.
• Work closely with business teams to support smooth credit approval processes.

Education

Bachelor's degree minimum; Master’s degree in Business / Accounting / Finance preferred

2–5 years banking experience in Finance / Corporate

Job description

This role involves supporting the credit risk function by reviewing credit applications, identifying discrepancies, and ensuring compliance with internal and regulatory requirements. The role emphasizes collaboration with business teams, monitoring borrower performance, and maintaining accurate management information systems.

Job Responsibilities:

• Review credit applications to verify accuracy and completeness, highlighting discrepancies for resolution with Relationship Management/Business teams.
• Evaluate and assess the financial position of borrowers using financial statements, and other risk rating models.
• Ensure timely submission and processing of annual renewals for existing clients.
• Maintain and update MIS for NTBs (New-to-Bank customers), RDEs (Review Date Extension), and other CIBG-related data.
• Support adherence to internal credit policies, regulatory guidelines, and audit requirements.
• Work closely with business teams to support smooth credit approval processes.

Experience & Qualification:

• Minimum Bachelor's Degree Preferably Master Degree in Business / Accounting / Finance.
• At least 2 to 5 years of banking experience preferably in Finance, Corporate.