Credit Analyst

Description

The Credit Analyst at Habib Metropolitan Bank Limited plays a critical role in assessing the creditworthiness of corporate and individual clients to minimize the risk involved in lending money. This position requires strong expertise in credit risk assessment, financial statement analysis, cash flow analysis, and credit analysis to determine the degree of risks involved in extending credit. The analyst performs a comprehensive evaluation of the borrower's financial status, borrowing capacity, cash flow projections, industry outlook, and account performance. Additionally, the analyst ensures compliance with banking policies, regulatory requirements, and internal risk management standards. The role demands excellent analytical capabilities, attention to detail, and effective communication skills, as the analyst coordinates with Relationship Managers, business units, and other stakeholders for structuring credit limits and resolving queries during the credit approval process. The role also involves collaboration with various risk and control units within the bank, including the Operational Risk Unit and Internal Control Unit, to address operational risk matters and ensure robust internal control over financial reporting. The Credit Analyst prepares detailed notes on credit proposals, conducts quarterly reviews of non-performing loans and watch list accounts, and assists senior management with critical credit-related tasks and policy updates. A positive attitude and strong negotiation skills are essential for this role, which requires adherence to high-quality service standards and a deep understanding of the importance of sound credit risk management. Candidates must have a minimum of four years of relevant experience and a strong educational background in finance, accounting, or related fields.

Responsibilities

• Conduct thorough credit and financial risk analysis to evaluate the borrowing capacity and creditworthiness of clients based on financial statements, cash flow projections, industry conditions, and security breakdown.
• Coordinate closely with Relationship Managers and business units to structure credit limits that balance client needs with risk mitigation objectives.
• Prepare comprehensive credit notes and proposals for review and approval, ensuring all risk assessment criteria are met according to the bank's policies and prudential regulations.
• Engage with stakeholders, including Relationship Managers and team leaders, to gather additional information about the borrower's character, business prospects, credit history, and associated entities to support effective credit decisions.
• Conduct pre-disbursement visits or meetings with clients or their representatives to clarify credit proposal details and ensure compliance.
• Work collaboratively with the Operational Risk Unit to monitor and report on operational risk matters related to the Credit Division, including risk indicator breaches, risk control self-assessments, and reporting requirements.
• Liaise with the Internal Control Unit to review and test internal controls over financial reporting to maintain compliance and accuracy in financial disclosures.
• Prepare quarterly reviews of fresh and existing non-performing loan (NPL) accounts and watch list portfolios for presentation to senior management.
• Support the Senior Credit Manager in executing ad hoc projects such as revising service level agreements, updating credit manuals, and providing credit-related feedback on new product programs and manuals.
• Stay updated with the bank's policies, regulatory requirements, and market conditions to ensure all credit assessments align with current standards and best practices.
• Maintain proficiency in relevant software tools such as Microsoft Office to efficiently manage credit documentation and reporting.
• Demonstrate a service-oriented and logical approach to problem solving while ensuring high-quality service delivery in all credit evaluation activities.

Cities

Karachi, Pakistan | Lahore, Pakistan (On-Site)

Experience

4 Years

Apply By

Nov 16, 2026

Required Skills

• Credit Risk Assessment
• Financial Statement Analysis
• Credit Analysis
• Cash Flow Analysis
• Risk Rating
• Regulatory Compliance
• Risk Management

Nice to Have Skills

• MS Office
• Analytical thinking
• Communication
• Negotiation
• Financial Reporting