Credit Analyst (OG-II / OG-I)

The Credit Analyst reports to the Wing Head - Risk SME - SME Risk and RMG HR & Administration.

• Analyze credit proposals and requests, assess creditworthiness of the obligors in conjunction with business cycles and cashflows, identify risks, and suggest mitigants while ensuring compliance with regulatory requirements and with the Bank's internal policies and procedures.
• Coordinate with relevant business groups to solicit relevant information for conducting due diligence.
• 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).
• Analyze client cash flow and liquidity position of obligor with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability.
• Analyze reputational risk profile, including climate and sustainability risks.
• Conduct security assessments, review search reports and analyze collateral/security.
• Recommend requests for approval & recommendations.
• Provide insightful and timely portfolio analysis.
• Assist in internal / external audits.
• Perform any other assignment assigned by the supervisor(s).

Applicants for Credit Analyst must meet the following requirements:

• Education: Minimum Graduation or equivalent from a local or international university/college recognized by the HEC of Pakistan. Candidates having Master's degree and / or any other relevant certification(s) will be preferred.
• Experience: Minimum 03 years of banking experience with in Commercial and / or SME, either on the business side and / or in risk management side, in a Commercial Bank.
• Skills: Credit and financial statement analysis; knowledge of SME 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.