Credit Officer (OG-II/OG-I)

The Credit Officer will be responsible for supporting regional credit operations, analyzing credit proposals, and ensuring compliance with banking regulations. This role involves assessing financial statements and understanding various financing products.

• To support Regional Executive Credit in review and analyzing credit proposals of SME & Agri including Quantitative analysis and Climate related risks.
• To analyze working capital and requirements for SME, Commercial and Agri segments including productions and development loans as well as seasonal financing requirements.
• To comply with internal Policies and Regulatory guidelines.
• To structuring credit limits in conjunction with actual requirements of the borrowers and also in line with the offered collateral.
• To assist in rectifying internal/external audit observations.
• To coordinate with business groups for clarifications and relevant information.
• To basic understanding of farm and non farm credit lifecycle as awareness of green banking, environmental & social and climate related risks.
• To perform any other assignment as assigned by the supervisor(s).

Applicants for Credit Officer must hold a minimum Graduation degree from an HEC-recognized institution, with a preference for accounting or finance backgrounds. A Master's degree in finance economics or ACCA qualifications is highly preferred. A minimum of 2 years of experience in Commercial and/or SME banking or risk management in a Commercial Bank is required.

• Educational/Professional Qualification: Minimum Graduation or equivalent from an HEC-recognized university, preferably with an accounting or finance background. Master's degree in finance economics or ACCA qualifications will be preferred.
• Experience: Minimum 2 years in Commercial and/or SME banking (business side or risk management) in a Commercial Bank.
• Other Skills/Expertise/Knowledge: Credit analysis, Financial Statement Analysis, knowledge of SME, Commercial, and Agri financing products, understanding of different types of collaterals, awareness of SBP Prudential Regulations, good interpersonal skills, and proficiency in MS Office.