Credit Analyst - Commercial Risk

HBL; Pakistan; On-site; PKR 1,300,000 - 2,000,000; Full time

Job summary

HBL is seeking a Credit Analyst to perform credit analysis on proposals from Corporate and Branch Banking, evaluating qualitative and quantitative factors including balance sheet, income statement, cash cycles and cash flow. You will ensure evaluations comply with HBL policies and SBP guidelines and will process proposals within targeted TAT.

You will monitor past-due accounts, prepare MIS reports, and assist in risk reviews while supporting business teams in structuring facilities that align

Qualifications

• 2-3 years banking/risk experience required.
• Business degree preferably BBA/MBA.
• Degree level: Bachelor Honours (16 years) or equivalent.

Responsibilities

• Perform credit analysis of proposals from Corporate/Branch Banking across qualitative and quantitative factors.
• Ensure credit evaluation follows internal policy and SBP regulations to maintain compliant exposure.
• Prepare MIS reports and maintain logs for queries and response times.
• Provide on-the-job training and support to staff for smooth induction.

Education

Bachelor’s in Business (BBA/MBA preferred)

Job description

To perform credit analysis of all credit proposals originating from Corporate / Branch Banking (retail and commercial), covering both qualitative and quantitative factors including balance sheet, Income statement, cash cycle, cash flow and ratio analysis to determine financial need and capacity for effective credit decision making.

Credit Evaluation:

To conduct credit evaluation as per HBL's internal credit policy/procedures and SBP's prudential regulations/guidelines and other regulatory requirements to ensure that our exposure remains compliant with internal and external policies.

Processing of credit proposals within stipulated TAT and to maintain CP tracking/log sheet to keep record of queries and response time with the ultimate objective that credit requests are attended in a timely manner.

Value Addition:

Pick up early warning signals during evaluation process by highlighting key risks and mitigants and guiding Business Team for facilities/security structure that is not only in line with Customer's requirement but also safeguarding Bank's interest/risk.

Monitoring:

To monitor and follow up past due mark-up/principal and NPL accounts, expiries, deferrals, approval covenants through internal MIS and classified credit reviews (CCRs) in coordination with business in order to keep check and balance.

MIS and Record Management

Where required, to gather and prepare MIS reports, log and review sheets and preparations of various reports related to industry reviews, sector, NPL, restructuring etc for self-monitoring and for onward submission to stakeholders in order to help decision making and budgeting process. Represent Risk Management in any project. Manage record of all reports, MIS and Projects.

Training:

To provide on job training/technical support to new staff/MTs for smooth induction process.

Support Role:

To provide support and assistance to supervisors for smooth work flow, quick TAT and effective decision making.

Qualifications

• Business Degree - preferably BBA/MBA
• 2-3 years banking/ risk experience required.

Job Info

• Job Identification 30964
• Posting Date 11/06/2026, 09:47 AM
• Apply Before 11/19/2026, 06:59 PM
• Degree Level Bachelor Honours (16 years)