Senior FI Credit Analyst

Habib Bank AG Zurich; Karachi Division; On-site; PKR 2,400,000 - 4,800,000; Full time

Job summary

Habib Bank AG Zurich is seeking an experienced Credit Risk professional to oversee independent risk assessments of Financial Institution and country exposures. The role focuses on credit analysis, limit setting, monitoring, and governance to ensure exposures stay within risk appetite.

Responsibilities include building risk frameworks, reviewing country risk guidelines, and presenting credit memoranda to senior management and committees.

Qualifications

• Bachelor’s degree in finance, accounting, business, or related field.
• Professional qualification (CFA/FRM/ACCA/CA) preferred.
• 8+ years in FI credit risk, country risk, or related banking functions.
• Strong FI credit analysis, country risk, limit management, and approvals experience.
• Experience preparing credit papers and presenting to senior management.

Responsibilities

• Perform comprehensive credit analysis of Financial Institutions and sovereign/country exposures.
• Assess annual FI trade, treasury, and country limits and provide risk recommendations.
• Review proposals for new FI relationships, country limits, and limit enhancement requests.
• Evaluate transaction-specific approval requests and provide recommendations to senior credit management.
• Monitor FI and country exposures against approved limits, tenors, ratings, and covenants.
• Identify emerging credit concerns and recommend appropriate risk mitigation measures.
• Ensure timely and accurate updating of counterparty and country ratings within risk reporting systems.
• Support the development and enhancement of monitoring tools and risk reporting capabilities for FI and Country portfolios.

Skills

Credit risk analysis

Country risk assessment

Limit management

Credit papers & memos

Stakeholder management

Education

Bachelor’s degree in finance, accounting, business administration or related field

Professional qualification (CFA, FRM, ACCA, CA, or equivalent)

Job description

To provide independent credit risk oversight of Financial Institution (FI) and Country Risk exposures by conducting credit assessments, recommending limits, monitoring portfolio risk, maintaining risk frameworks and policies, and supporting credit approval processes to ensure the Bank's exposures remain within approved risk appetite.

Key Responsibilities & Main Duties:

• Perform comprehensive credit analysis of Financial Institutions and sovereign/country exposures.
• Assess annual FI trade, treasury, and country limits and provide risk recommendations.
• Review proposals for new FI relationships, country limits, and limit enhancement requests.
• Evaluate transaction-specific approval requests and provide recommendations to senior credit management.
• Monitor FI and country exposures against approved limits, tenors, ratings, and covenants.
• Identify emerging credit concerns and recommend appropriate risk mitigation measures.
• Ensure timely and accurate updating of counterparty and country ratings within risk reporting systems.
• Support the development and enhancement of monitoring tools and risk reporting capabilities for FI and Country portfolios.

Credit Governance & Policy

• Review and enhance the Group FI Credit Risk Framework to support sound risk management practices.
• Review and update Country Risk Guidelines and related policies.
• Ensure compliance with internal credit policies, regulatory requirements, and approved risk governance standards.

Stakeholder & Committee Management

• Liaise with Group FI and relevant stakeholders on credit reviews and risk recommendations.
• Prepare and present credit memoranda and submissions for Group Credit Committee review and approval.
• Provide support to the Head of Group Credit on FI and Country Risk matters and act as a delegate, when required.

Qualification & Experience:

• Bachelor’s degree in finance, Accounting, Business Administration, or a related discipline.
• Relevant professional qualification (CFA, FRM, ACCA, CA, or equivalent) preferred.
• 8+ years of experience in Financial Institutions Credit Risk, Country Risk, Corporate Credit, Treasury Risk, or related banking functions.
• Strong experience in FI credit analysis, country risk assessment, limit management, and credit approval processes.
• Demonstrated experience in preparing credit papers and presenting recommendations to senior management and credit committees.