Senior Credit Manager – CIBG South

UBL - United Bank Limited; Karachi Division; Presencial; PKR 2.500.000 - 5.000.000; Jornada completa

Descripción de la vacante

UBL - United Bank Limited in Karachi seeks an experienced risk professional to lead due diligence for corporate credit propositions and monitor the credit portfolio with a focus on overdue tracking and obligor risk rating. The role supports the Head of Credit Risk with thorough reviews to enable prudent decisions and mentors a team of risk analysts to ensure high-quality outcomes.

The incumbent will manage stakeholder expectations, resolve conflicts, and ensure compliance with internal and

Formación

• Masters in Business/Commerce is required.
• Minimum of 10 years of experience in credit risk or related field.
• Strong analytical and decision-making abilities.
• Excellent communication and stakeholder management skills.

Responsabilidades

• Carry out due diligence for corporate credit propositions in line with internal and external regulatory framework.
• Monitor the portfolio with emphasis on overdue tracking and ORR (Obligor Risk Rating).
• Support Head of Credit Risk/CRO with thorough reviews and prudent credit decisions.
• Lead and mentor risk analysts to enable high-quality credit decisions.
• Manage stakeholder conflicts and provide risk advisory action plans for acceptable risk profiles.
• Apply covenants in compliance with prevailing rules/regulations for smooth credit contract execution.

Conocimientos

Regulatory framework knowledge

Banking products knowledge

Market knowledge

Analytical ability

Communication skills

Educación

Masters in Business/Commerce

Descripción del empleo

• Carrying out comprehensive due diligence for corporate credit propositions to be reviewed/approved in line with internal & external regulatory framework.
• Water-tight monitoring of the portfolio which would include but not limited to industry awareness/overdue monitoring/Client meetings.

Job Responsibilities

• Developing rationale of lending propositions through due diligence process for credit decision making individually & as part of credit committee.
• Proactive monitoring of the overall ClBG portfolio, with specific emphasis on tracking overdue and ensuring an accurate Obligor Risk Ra ting (ORR). Assisting the Head of Credit Risk/CRO in making informed and prudent decisions, through a thorough review/analysis of credit package.
• Thorough study & knowledge based on feedback/reports of all the monitoring & risk review teams. Ensuring proactive credit decision making enabling foresight or projecting future forecasts.
• Mentoring and leading the team of risk analysts, thereby enabling a team-focus on making the best possible credit decisions.
• Conflict management amongst all stake holders & attaining a point of intersection where interest of all the stake holders may be kept intact without losing any qua lity business opportunity, so here advisory role of risk management sets in & appropriate action plan is suggested for improvements In order to make any recommended risk profile acceptable.
• Applying appropriate covenants in compliance of prevailing rules/regulations related to internal/external regulatory bodies for smooth execution of credit contracts.

Qualification & Experience

• Masters in Business/Commerce
• Ten Years +

Job Specific Skills

• Regulatory framework knowledge.
• Knowledge of banking products.
• Market knowledge.
• Ability to make balanced and independent judgement with the character to assess each credit proposal on its merits.
• Good analytical and communication skills