Credit Risk Reviewer

Habib Bank AG Zurich; Karachi Division; On-site; PKR 2,500,000 - 5,000,000; Full time

Job summary

Habib Bank AG Zurich is seeking a senior Credit Risk Review professional with extensive corporate portfolio experience. You will assess the effectiveness of risk management processes, scrutinize credit proposals, and ensure internal controls align with regulatory requirements.

The role requires strong analytical and communication skills, the ability to work under pressure, and willingness to travel to branches as needed. MBA/CA preferred with extensive credit risk expertise.

Qualifications

• Minimum 12 years in Credit Risk Management, corporate portfolio focus.
• Preferably 3 years in Credit Risk Review function.
• Corporate/Commercial relationship management experience is a plus.

Responsibilities

• Assess adequacy, effectiveness and efficiency of Bank’s Credit Risk Management processes.
• Review credit proposals for due diligence on borrowers’ character, track record and finances.
• Ensure credit facilities are properly structured and compliant with policies.
• Check adherence to regulatory requirements and risk appetite statements.
• Report on risk ratings, classifications and portfolio quality.
• Prepare audit reports within defined timelines and coordinate with regulators.
• Liaise with risk, compliance and control functions to assess emerging risks.
• Travel periodically to branches/subsidiaries as needed.

Skills

Credit assessment

Analytical skills

Credit products knowledge

PowerPoint

Communication skills

Attention to detail

Pressure handling

Deadline orientation

Education

Chartered Accountant

MBA

Bachelor's in Business Administration (Accounting & Finance)

Tools

PowerPoint

MS Office

Job description

Excellent credit assessment and analytical skills. Understanding of credit products and knowledge of industry best practices. Proficient in computer skills/Power Point presentations

Excellent communication skills (written and verbal) and detail oriented. Fully capable of working under pressure and meeting deadlines.

Experience:

Minimum 12 years in Credit Risk Management, primarily covering corporate portfolio, with preferably 3 years in the Credit Risk Review function. Experience of Corporate/Commercial relationship management will be an advantage.

Ke Key Responsibilities & Main Duties:

Duties:

• Support the Head of Credit Risk Review in assessment of the following:
• Adequacy, effectiveness and efficiency of Bank’s Credit Risk Management processes.
• Quality of credit proposals with respect to due diligence related to borrowers’ character, management, track record, industry fundamentals, key risks and success factors, financial analysis (historical & projections were required), repayment capacity and problem recognition.
• Credit facilities have been appropriately structured.
• There is no violation of internal policies and regulatory requirements. If so, these have been identified and appropriately approved.
• Quality of credit portfolio and processes. Recommend improvements where needed.
• The macroeconomic situation and outlook.
• The accuracy of risk ratings and classifications.
• Finalize the audit reports within defined timelines.
• Check compliance with various portfolio limits, risk acceptance criteria (RACs), risk appetite statements and limits, etc.
• Participate in regular as well as special audits when requested by the regulator & senior management.
• Track/follow up on remediation with respect to findings issued during internal, external and regulatory audits.
• Liaise with risk, compliance, & associated control functions of the Bank where needed to assess the emerging risks impacting the Bank’s control environment along with the mitigation strategy.
• Periodic travel to the countries of the branches/subsidiaries being reviewed.
• Attain ‘general conformance’ rating in Credit Risk Review function.
• Maintain a professional relationship with all stakeholders. Interact with senior management and be able to present and articulate findings and recommendations.

Education:

• Qualified Chartered Accountant (Associate/ Fellow member) or;
• Master’s of Business Administration

For exceptional candidates, Bachelor’s degree in Business Administration (accounting & Finance)