Dynamic Commercial Credit Risk Analyst

HBL

Karachi Division

On-site

PKR 900,000 - 1,500,000

Full time

4 days ago

Be an early applicant

Get a reply from this employer

Your resume and cover letter, tailored to exactly what they’re hiring for.

Get past ATS filters

Job summary

HBL is seeking a Credit Analyst to perform in-depth credit evaluation of proposals from Corporate and Branch Banking, covering qualitative and quantitative factors including balance sheet, income statement and cash flow analysis. The role requires adherence to SBP guidelines and internal policy, with timely processing and precise record-keeping.

You will monitor risk signals, assist in structuring facilities, and coordinate with Business Teams to protect the bank's interests while ensuring

Qualifications

Proven ability to analyze balance sheets and income statements.
Strong knowledge of cash cycles, cash flows and ratio analysis.
Experience in preparing MIS logs, reviews and stakeholder reports.
Understanding of SBP prudential regulations and internal credit policy.

Responsibilities

Perform qualitative and quantitative credit analyses for proposals from Corporate and Branch Banking.
Evaluate proposals to ensure regulatory and internal policy compliance.
Track and log credit proposals and response times to meet TAT targets.
Highlight risks and mitigants; advise business teams on facility structures.
Monitor past due accounts, deferments and covenants with risk-based reviews.
Prepare MIS/records for stakeholders and project representations.
Provide on-the-job training and support to staff as needed.