Credit Officer (OG-II / OG-I)

Khanewal; Pakistan; Remote; PKR 1,200,000 - 1,800,000; Full time

Job summary

National Bank of Pakistan invites applications for a Credit Officer in Risk Management. You will review credit proposals for SME, Commercial and Agri financing, and perform quantitative analyses including climate-related risks.

The role requires evaluating working capital needs, structuring credit limits, and ensuring SBP regulatory compliance. This is a contractual role for three years with postings across Pakistan in multiple cities.

Qualifications

• Minimum 2 years of experience in Commercial and/or SME Banking.
• Accounting or finance background preferred.
• Master’s degree or ACCA qualification preferred.

Responsibilities

• Review and analyze credit proposals for SME, Commercial and Agri financing.
• Perform financial statement analysis and credit risk assessment.
• Ensure compliance with internal policies and SBP regulations.
• Coordinate with business groups to obtain clarifications and relevant information.

Skills

Credit analysis

Financial statement analysis

SME/Commercial/Agri financing

Collateral concepts

SBP Prudential Regulations

Interpersonal & communication

Education

Bachelor's degree in Accounting/Finance

Master’s in Finance/Economics or ACCA

Tools

MS Office

Job description

## Credit Officer (OG-II / OG-I)Full Job Details#### Job Description**Department:** Risk Management **Reporting To:** Regional Executive Credit, Credit Risk Management Division“The Nation’s Bank”, National Bank of Pakistan aims to support the financial well-being of the Nation while enabling sustainable growth and inclusive development through its wide local and international network of branches. As one of the leading and largest banks in Pakistan, National Bank of Pakistan contributes 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 its strategy, the Bank is seeking talented, dedicated and experienced professionals for the following position in the area of Risk Management.Jobs## Educational / Professional Qualification* Minimum Graduation or equivalent from a local or international university, college or institute recognized by the HEC of Pakistan, preferably with an Accounting or Finance background.* Candidates possessing a Master’s degree in Finance or Economics, or ACCA qualification, will be preferred.### Experience* Minimum 2 years of experience in Commercial and/or SME Banking, either on the business side and/or in risk management within a commercial bank.### Required Skills / Expertise / Knowledge* Credit analysis* Financial statement analysis* Knowledge of SME, Commercial and Agri financing products* Understanding of different types of collateral* Awareness of SBP Prudential Regulations* Good interpersonal and communication skills* Proficiency in MS Office## Main Duties & Responsibilities* Support the Regional Executive Credit in reviewing and analyzing credit proposals related to SME, Commercial and Agri financing, including quantitative analysis and climate-related risks.* Analyze working capital requirements for SME, Commercial and Agri segments, including production and development loans as well as seasonal financing requirements.* Ensure compliance with internal policies and regulatory guidelines.* Structure credit limits according to the actual requirements of borrowers and the available collateral.* Assist in rectifying internal and external audit observations.* Coordinate with business groups to obtain clarifications and relevant information.* Understand farm and non-farm credit life cycles, including awareness of green banking, environmental and social considerations, and climate-related risks.* Perform any other assignments entrusted by the supervisor(s).History### Place of Posting* Sahiwal* Sialkot* Hyderabad* Mirpurkhas* Multan* Muzaffarabad, AJK* Rawalakot, AJK## Assessment Test / InterviewOnly shortlisted candidates who strictly meet the stated basic eligibility criteria will be invited for assessment test and/or panel interview(s).## Employment TypeThe employment will be on a **contractual basis for three years**, which may be renewed at the discretion of Management.Selected candidates will be offered a compensation package and other benefits in accordance with the Bank’s policies and rules.## How to ApplyInterested candidates are required to apply online through the **National Bank of Pakistan careers application portal**, according to the given application instructions.Compensation & BenefitsApplications received after the due date will not be considered.**Important Notes:*** No TA/DA will be admissible for the test/interview.* National Bank of Pakistan is an equal opportunity employer.* Applications are welcomed from all qualified individuals regardless of gender, religion or disability.