Credit Analyst (AVP) - TJ / 1885259

Recruit AI; Islamabad; On-site; PKR 4,000,000 - 6,500,000; Full time

Job summary

National Bank of Pakistan in Islamabad is seeking a Credit Analyst (AVP) to join the Risk Management Division. You will analyze credit proposals, assess obligor creditworthiness, and coordinate due diligence with business groups to ensure regulatory compliance.

Strong cash flow analysis, collateral assessment, and SBP knowledge are essential. Reporting to the GM Credit Risk, you will develop credit analyses, monitor portfolio risk, and support audits.

Qualifications

• Credit and financial statement analysis
• Knowledge of Corporate and Commercial financing products
• Understanding of collaterals and security assessments
• Knowledge of SBP prudential regulations
• Good interpersonal skills and MS Office proficiency

Responsibilities

• Analyze credit proposals and assess creditworthiness with business cycles and cash flow.
• Coordinate with business groups to gather information for due diligence.
• Partner with business and risk teams to develop credit analysis considering market dynamics.
• Analyze client cash flow and liquidity position via ratio analysis or stress testing.
• Assess reputational risks including climate and sustainability risks.
• Conduct security assessments, review search reports and collateral.
• Recommend requests for GM Credit Risk approval and recommendations.
• Provide insightful portfolio analysis.
• Assist in internal/external audits.
• Perform other assignments as required by supervisors

Skills

Credit analysis

Financial statements

Corporate & Commercial financing

Collateral & security assessments

SBP regulations

MS Office

Interpersonal skills

Education

Bachelor's degree

Masters degree / Certifications

Job description

Our client National Bank of Pakistan is looking for a Credit Analyst (AVP) in Islamabad

\"The Nation's Bank\", National Bank of Pakistan aims to support the financial well-being of the Nation along with enabling sustainable growth and inclusive development through its wide local and international network of branches. Being one of the leading and largest banks of Pakistan, National Bank of Pakistan is contributing significantly towards socioeconomic growth in the country with an objective to transform the institution into a future-fit, agile and sustainable Bank.

In line with our strategy, the Bank is looking for talented, dedicated, and experienced professional(s) for the following position in the area of Risk Management based in Islamabad.

Position / Job Title:

Credit Analyst (AVP)

Reporting to:

GM Credit Risk - Credit Risk Management Division

Educational /Professional Qualification:

• Minimum graduation or equivalent from a local or international degree granting institution recognized by the HEC of Pakistan
• Candidates having Masters degree and / or relevant certification(s) will be preferred

Experience:

• Minimum 06 years of Banking experience with at least 04 years in Corporate and / or Commercial banking either on the business and / or risk management side in a Commercial Bank(s)

Other Skills / Expertise / Knowledge Required:

• Credit and financial statement analysis
• Knowledge of Corporate and Commercial financing products
• Understanding of different types of collaterals and respective security assessments
• Knowledge of SBP prudential regulations
• Good interpersonal skills, business acumen and proficiency in the use of MS Office

Outline of Main Duties / Responsibilities

• To analyze credit proposals and requests, assess creditworthiness of the obligors in conjunction with business cycles and cashflow, identify risks, and suggest mitigants while ensuring compliance with regulatory requirements and with the Banks internal policies and procedures.
• To coordinate with relevant business groups to solicit relevant information for conducting due diligence
• To partner with business and risk teams to develop and execute credit analysis, in consideration of market dynamics, client industry (including industry risks and client competitive positioning within the industry)
• To analyze client cash flow and liquidity position of obligor with ratio analysis and / or stress testing balance sheet strength, cash flow and profitability vulnerability
• To analyze reputational risk profile, including climate and sustainability risks
• To conduct security assessments, review search reports and analyze collateral / security
• To recommend requests for GM Credit Risk approval & recommendations
• To provide insightful and timely portfolio analysis
• To assist in internal/ external audits
• To perform any other assignment as assigned by the supervisor(s)

Place of Posting:

Islamabad

Assessment Interview(s)

Only shortlisted candidates strictly meeting the above-mentioned basic eligibility criteria will be invited for panel interview(s).

Employment Type:

The employment will be on contractual basis for three years which may be renewed on discretion of the Management. Selected candidates will be offered compensation package and other benefits as per Banks Policy / rules.

National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals, regardless of gender, religion, or disability.