Credit Manager (AVP) - TJ / 1946959

Recruit AI; Dera Ghazi Khan; On-site; PKR 600,000 - 900,000; Full time

Job summary

National Bank of Pakistan invites applications for the position of Credit Manager (AVP) in Dera Ghazi Khan. The role reports to Regional Executive Credit - Credit Risk Management Division and seeks experienced professionals in SME, Commercial and agri credit analysis.

The bank emphasizes qualifications including graduation or higher, preference for Masters in finance/economics or ACCA, and at least six years of relevant banking experience.

Qualifications

• Minimum graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan.
• Candidate having Masters degree in finance, economics or ACCA qualifications will be preferred.
• Minimum 6 years of experience in Commercial and / or SME banking, either on the business side and / or in risk management side in a Commercial Bank.

Responsibilities

• To support Regional Executive Credit in review and analyzing credit proposals of SME, Commercial and Agri including Quantitative analysis and Climate related risks
• To analyze working capital and requirements for SME, Commercial and Agri segments including production and development loans as well as seasonal financing requirements
• To comply with internal Policies and Regulatory guidelines
• To structuring credit limits in conjunction with actual requirements of the borrowers and also in line with the offered collateral
• To assist in rectifying internal/ external audit observations
• To coordinate with business groups for clarifications and relevant information
• To basic understanding of farm and non farm credit lifecycle as awareness of green banking, environmental & climate related risks
• To perform any other assignment as assigned by the supervisor(s)

Skills

Credit analysis

Financial statement analysis

SME financing products

Collateral knowledge

SBP prudential regulations

Interpersonal skills

MS Office

Education

Bachelor’s degree or equivalent

Master’s degree in finance/economics or ACCA

Tools

MS Office

MS Excel

Job description

Our client National Bank of Pakistan is looking for a Credit Manager (AVP) in Dera Ghazi Khan

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.

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

The individuals who fulfill the below basic-eligibility criteria may apply for the following positions:

Position / Job Title

Credit Manager (AVP)

Reporting to

Regional Executive - Credit - 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
• Candidate having Masters degree in finance, economics or ACCA qualifications will be preferred

Experience

• Minimum 06 years of experience in Commercial and / or SME banking, either on the business side and / or in risk management side in a Commercial Bank

Other Skills / Expertise / Knowledge Required

• Credit analysis
• Financial Statement Analysis
• Knowledge of SME, Commercial financing products
• Understanding of different types of collaterals
• Awareness of SBP Prudential Regulations
• Good interpersonal skills
• Proficient in the use of MS Office

Outline of Main Duties / Responsibilities

• To support Regional Executive Credit in review and analyzing credit proposals of SME, Commercial and Agri including Quantitative analysis and Climate related risks
• To analyze working capital and requirements for SME, Commercial and Agri segments including production and development loans as well as seasonal financing requirements
• To comply with internal Policies and Regulatory guidelines
• To structuring credit limits in conjunction with actual requirements of the borrowers and also in line with the offered collateral
• To assist in rectifying internal/ external audit observations
• To coordinate with business groups for clarifications and relevant information
• To basic understanding of farm and non farm credit lifecycle as awareness of green banking, environmental & social and climate related risks
• To perform any other assignment as assigned by the supervisor(s)

Place of Posting

Dera Ghazi Khan

Assessment Interview(s)

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

Employment Type

The employment will be on contractual basis for three years which may be renewed ondiscretion of the Management. Selected candidates will be offered compensationpackage 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.