Credit Analyst (AVP)
National Bank of Pakistan
Published Date: • Islamabad, Pakistan (On-Site)
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, National Bank of Pakistan 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 our strategy, the Bank is looking for talented, dedicated, and experienced professional(s) for the following position in the area of Risk Management based in Islamabad.
The individuals who fulfill the below basic-eligibility criteria may apply for the following position:
Position / Job Title:
Credit Analyst (AVP)
Reporting to:
GM Credit Risk - Credit Risk Management Division
Educational /Professional Qualification:
Minimum graduation or equivalent from a local or international degree granting institution recognized by the HEC of Pakistan
Candidates having Master’s degree and / or relevant certification(s) will be preferred
Experience:
- Minimum 06 years of Banking experience with at least 04 years in Corporate and / or Commercial banking either on the business and / or risk management side in a Commercial Bank(s)
Other Skills / Expertise / Knowledge Required:
Credit and financial statement analysis
Knowledge of Corporate and Commercial financing products
Understanding of different types of collaterals and respective security assessments
Knowledge of SBP prudential regulations
Good interpersonal skills, business acumen and proficiency in the use of MS Office
Outline of Main Duties / Responsibilities:
To analyze credit proposals and requests, assess creditworthiness of the obligors in conjunction with business cycles and cashflow, identify risks, and suggest mitigants while ensuring compliance with regulatory requirements and with the Bank’s internal policies and procedures.
To coordinate with relevant business groups to solicit relevant information for conducting due diligence
To partner with business and risk teams to develop and execute credit analysis, in consideration of market dynamics, client industry (including industry risks and client competitive positioning within the industry)
To analyze client cash flow and liquidity position of obligor with ratio analysis and / or stress testing balance sheet strength, cash flow and profitability vulnerability
To analyze reputational risk profile, including climate and sustainability risks
To conduct security assessments, review search reports and analyze collateral / security
To recommend requests for GM Credit Risk approval & recommendations
To provide insightful and timely portfolio analysis
To assist in internal/ external audits
To perform any other assignment as assigned by the supervisor(s)
Place of Posting:
Islamabad
Assessment Interview(s)
Only shortlisted candidates strictly meeting the above-mentioned basic eligibility criteria will be invited for panel interview(s).
Employment Type:
The employment will be on contractual basis for three years which may be renewed on discretion of the Management. Selected candidates will be offered compensation package and other benefits as per Bank’s Policy / rules.
Apply within 10 working days from the date of this job posting.
Applications received after due date will not be considered in any case. No TA / DA will be admissible for interview.
National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals, regardless of gender, religion, or disability.