Credit Risk Analyst – SME, Commercial & Agri

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

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.