Credit Analyst (AVP) - TJ / 1936466

Recruit AI; Karachi Division; Sur place; PKR 1 800 000 - 2 800 000; Plein temps

Résumé du poste

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.

Responsabilités

• 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.

Connaissances

Credit analysis

Financing products

Collateral security

SBP regulations

MS Office

Formation

Bachelor's degree

Master's degree / certifications

Description du poste

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

The Nations 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.

Position / Job Title:

Credit Analyst (AVP)

Reporting to:

Senior Credit Officer - Credit Risk Management Division

Educational /Professional Qualification:

• Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
• Candidates having Masters degree and / or any other relevant certification(s) will be preferred

Experience:

• Minimum 06 years of Banking experience with at least 03 years in Corporate and / or Commercial, either in the business and / or in risk management in a Commercial Bank

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 proficient 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 cashflows, identify risks, and suggest mitigants while ensuring compliance with regulatory requirements and with the Bank's 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 SCO 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:

Karachi

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.

Equal Opportunity Statement:

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