AVP Credit Analyst — Corporate Risk & Growth

Recruit AI; Karachi Division; On-site; PKR 1,800,000 - 2,800,000; Full time

Job summary

National Bank of Pakistan in Karachi is seeking a Credit Analyst (AVP) to assess credit proposals, analyze cash flows, and manage risk within the Credit Risk Management Division.

The role requires a minimum of 6 years in banking, including 3 years in corporate/commercial credit, with strong analytical skills and knowledge of SBP regulations and collateral assessment.

Selected candidates will be contracted for three years with compensation and benefits as per Bank policy.

Qualifications

• Minimum 6 years of banking experience with at least 3 years in corporate or commercial, either in the business and/or in risk management in a Commercial Bank.
• Proficient in credit and financial statement analysis and understanding of financing products.
• Knowledge of SBP Prudential Regulations and collateral assessments.

Responsibilities

• Analyze credit proposals and assess creditworthiness in line with business cycles and cash flows.
• Coordinate with relevant business groups to collect due diligence information.
• Partner with business and risk teams to develop and execute credit analysis considering market dynamics and client industry.
• Analyze client cash flow and liquidity using ratio analysis and stress testing.
• Assess reputational risk, including climate and sustainability risks.
• Perform security assessments and review collateral/security.
• Recommend requests for SCO approval & recommendations.
• Provide portfolio analysis and assist in audits.
• Perform any other assignment as directed by supervisors.

Skills

Credit analysis

Financing products

Collateral security

SBP regulations

MS Office

Education

Bachelor's degree

Master's degree / certifications

Job description

National Bank of Pakistan in Karachi is seeking a Credit Analyst (AVP) to assess credit proposals, analyze cash flows, and manage risk within the Credit Risk Management Division.

The role requires a minimum of 6 years in banking, including 3 years in corporate/commercial credit, with strong analytical skills and knowledge of SBP regulations and collateral assessment.

Selected candidates will be contracted for three years with compensation and benefits as per Bank policy.