Relationship Manager – SME, OG-II

Khanewal; Pakistan; On-site; PKR 2,000,000 - 2,800,000; Full time

Job summary

National Bank of Pakistan is seeking a Relationship Manager for SME portfolios across multiple posting locations. The role focuses on acquiring new SME clients, managing existing relationships, and promoting a range of financing products including working capital and trade finance.

Strong credit assessment and regulatory compliance are essential, with a contractual tenure of three years. The ideal candidate should have degrees in business/commerce, relevant certifications, and a keen ability to

Qualifications

• Bachelor's or equivalent in Business/Commerce from a recognized university.
• Master's degree or related professional certification preferred.

Responsibilities

• Identify and acquire new SME clients to grow the bank's SME lending portfolio.
• Develop and execute a client acquisition strategy aligned with organizational goals.
• Promote financing products including working capital, trade finance and term loans.
• Manage and enhance existing client relationships to ensure portfolio growth and retention.
• Review financial health and performance of clients to identify risks and opportunities.
• Conduct periodic client visits and provide portfolio updates.
• Analyze SME financial statements to assess creditworthiness and tailor financing solutions.
• Prepare credit proposals in line with internal policies and regulatory guidelines.
• Ensure facilities are approved within risk appetite and monitor for early warning signals.
• Collaborate with internal stakeholders for seamless client service and achieve KPIs.

Skills

Sales orientation

Geographical knowledge

MS Office proficiency

Interpersonal communication

Customer relationship management

Education

Bachelor's or equivalent in Business/Commerce

Master's degree or related professional certification (Economics/Accounts/JAIBP etc)

Tools

Microsoft Office

Job description

## Relationship Manager – SME, OG-IIFull Job Details#### Job Description“The Nation’s 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, NBP 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 its strategy, NBP is looking for highly motivated, confident, and career-oriented individuals for the area of **Inclusive Development & Relationship Management – SME, OG-II**.## Place of PostingAbbottabad, Bannu, Bahawalpur, Dera Ghazi Khan, Faisalabad, Gilgit, Gujrat, Gujranwala, Gwadar, Hyderabad, Islamabad, Jhelum, Karachi, Lahore, Larkana, Mansehra, Mardan, Mirpurkhas, Muzaffarabad AJK, Peshawar, Quetta, Rawalpindi, Sahiwal, Sargodha, Sheikhupura, Sialkot, Sibi, Sukkur, Swat, Vehari.## Eligibility Criteria### Education / Qualification* Minimum Bachelor's or equivalent degree in Business and/or Commerce from a local or international University / College / Institute recognized by the HEC of Pakistan.* Candidates having a Master's degree in Business and/or any other professional certification such as Economics, Accounts, AIBP, JAIBP or any other related certification will be preferred.### Age* Maximum 26 years as on the last date of submission of application.### Experience* Fresh graduates and candidates with relevant banking experience are encouraged to apply.## Outline of Main Duties / Responsibilities* Identify and acquire new SME clients to grow the Bank's SME lending portfolio.* Develop and execute a client acquisition strategy in alignment with organizational goals.* Promote the Bank's financing products, including working capital, trade finance and term loans.* Manage and enhance existing client relationships to ensure portfolio retention and growth.* Regularly review the financial health and performance of clients to identify potential risks and opportunities.* Conduct periodic client visits and provide updates on portfolio performance.* Analyze financial statements and business models of SME clients to assess creditworthiness.* Structure and recommend appropriate financing solutions tailored to client needs.* Prepare comprehensive credit proposals in compliance with internal policies and regulatory guidelines.* Ensure credit facilities are approved within the risk appetite of the Bank.* Monitor accounts for early warning signals and take proactive measures to mitigate risks.* Maintain compliance with the Bank's policies, procedures and regulatory requirements.* Collaborate with internal stakeholders to provide seamless client service.* Achieve financial and non-financial targets, including revenue, portfolio growth, and client satisfaction.* Contribute to the Bank's overall strategy by meeting Key Performance Indicators (KPIs).* Perform any other assignment as assigned by the supervisor.## Other Required Competencies* Ability to manage multiple tasks, prioritize work effectively, and meet assigned targets.* Basic understanding of banking products and services; exposure to SME Banking.* Good geographical knowledge of the assigned area and surrounding business areas.* Proficiency in Microsoft Office, including Microsoft Word, Microsoft PowerPoint, and Microsoft Excel.* Sales orientation with the ability to identify business opportunities and achieve assigned targets.* Sound knowledge of SBP Prudential Regulations and regulatory requirements related to SME lending.* Strong interpersonal, communication, and customer relationship management skills.* Strong understanding of Credit Lending, SME Financing, and Trade Finance.## Application and Selection Procedure* Interested candidates may visit the **Sidat Hyder careers portal** and apply online within 10 working days from the date of publication of the advertisement as per given instructions.* Candidates should complete all the fields provided on the web portal and upload their updated CNIC, latest passport-size picture, Graduation and/or Masters educational documents (Mark Sheet / Transcript) and Experience Letter(s), if either / both are required.* There should be **one (1) attachment per tab**, size must be less than 10MB per attachment information / application received after due date or incomplete / false in nature will result in rejection of the application.* No TA / DA will be admissible for the assessment test / interview.* Candidates will be evaluated strictly based on the defined eligibility criteria.* Shortlisted candidates will be required to appear for a mandatory assessment test. Further processing may include panel interviews.* Bank reserves the right to reject or accept any applicant's suitability to meet the vacant positions.* The employment will be on contractual basis for **03 years**, which may be renewed on the discretion of the Management.* In case of selection, candidates will be required to serve at their initial place of posting for a minimum period of three years and no request for transfer will be entertained.**National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals regardless of gender, religion or disability.**