Officer Risk Review (OG-II / OG-I)

The Officer Risk Review reports to the Wing Head - Risk Review - SME Risk and RMG HR & Administration Division.

• Responsible for independent review of SME and Commercial credit approvals processed by Regional Head Credit and Hub Head Credit under delegated authorities.
• Conduct risk based post approval reviews to assess compliance with internal credit policies, delegated approval authorities, and SBP Prudential Regulations.
• Identify policy deviations, documentation deficiencies, underwriting weaknesses, recurring exceptions, and emerging portfolio risks, and recommend corrective and preventive actions.
• Ensure timely closure of Risk Review observations and monitor implementation of agreed corrective actions across Regions and Hubs.
• Ensure timely completion of reviews.
• Perform any other assignment assigned by the supervisor(s).

Applicants for Officer Risk Review 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 in Credit Risk Management and/or Credit Approvals and/or Credit Review and/or Commercial Banking and/or SME Banking within a commercial bank. Candidates having hands on experience in independent credit review, portfolio monitoring, delegated credit approval, regulatory compliance, and policy implementation will be preferred.
• Skills: Strong knowledge of Commercial and SME credit risk assessment; thorough understanding of SBP Prudential Regulations and internal credit policies; knowledge of delegated credit approval framework and post-approval review processes; strong analytical, investigative, and report writing skills; proficiency in MS Office and MIS reporting tools.