Associate Manager – SME Risk

Khanewal; Lahore; Vor Ort; PKR 1.800.000 - 3.200.000; Vollzeit

Zusammenfassung

Bank of Punjab (BOP) seeks an Associate Manager – SME Risk to conduct comprehensive risk assessments of SME portfolios and review credit proposals in line with BOP policies and SBP regulations.

Candidate should have 2–4 years of relevant experience, a Bachelor’s degree (Master’s preferred), and be up to 55 years old. Applications through the BOP Careers Portal are invited.

Qualifikationen

• Bachelor’s degree from an HEC-recognized university is required.
• Master’s degree holders are preferred.
• Experience: 2–4 years in banking or non-banking risk domains.
• Age up to 55 years as of application date.

Aufgaben

• Conduct risk assessments of SME portfolios per BOP policies and SBP regulations.
• Review and assess credit proposals using qualitative and quantitative factors.
• Prepare due diligence reports covering industry, business sustainability and obligor risks.
• Evaluate working capital needs and collateral valuation; monitor covenants and limits.
• Identify risk areas and suggest appropriate mitigations; revalidate ESRM criteria and ECL.
• Conduct client visits to understand business models and industry dynamics.

Kenntnisse

Credit analysis

Risk assessment

SBP regulatory knowledge

Ausbildung

Bachelor’s Degree from an HEC-recognized university

Master’s Degree (preferred)

Jobbeschreibung

## Associate Manager – SME RiskFull Job Details#### Job Description**Grade:** Band-10 to Band-09 **Number of Positions:** 02 **Department:** Commercial & SME Risk Division### Eligibility Criteria* **Qualification:** Minimum Bachelor’s Degree from an HEC-recognized local/foreign university.* **Preferred:** Master’s Degree holders.* **Experience:** 02–04 years of experience, including banking/non-banking experience. Relevant experience will be preferred.* **Age Limit:** Up to 55 years as of the application date.Browse Careers### Key Responsibilities* Conduct comprehensive risk assessments of SME/assigned portfolios according to BOP policies and SBP regulations.* Review and assess credit proposals based on qualitative and quantitative factors.* Finalize credit proposals within defined Turn Around Time (TAT).* Prepare detailed due diligence reports covering industry conditions, business sustainability, and obligor-specific risks.* Evaluate working capital requirements and business cyclicality.* Review stock, valuation, and search reports for collateral assessment.* Identify key risk areas and recommend appropriate risk mitigation measures.* Revalidate financial spreads, Obligor Risk Ratings, ESRM criteria, Facility Risk Ratings, and Expected Credit Loss (ECL).* Monitor compliance with covenants, deferrals, package/limit expiries, and other approval conditions.* Conduct client visits when required to understand business models and industry dynamics.### How to ApplyInterested candidates who meet the eligibility criteria can apply online through the **BOP Careers Portal**.### i️ Important Notes* Only shortlisted candidates will be called for interviews.* No TA/DA will be admissible.* BOP reserves the right to accept or reject any application without assigning a reason.* BOP is an equal opportunity employer.* Females, Minorities, Differently Abled Persons (DAP), and Transgender candidates are encouraged to apply.