Division/Department: RMG / FI Credit Risk
Grade Range: AVP1 to AVP
Reports To: Divisional Head – Corporate & FI Credit Risk
Job Summary:
To ensure that the quality of FI portfolio is maintained within acceptable parameters, as defined under Bank’s Approved Credit Policy Manual and SBP Prudential Regulations. The candidate is responsible to instill a strong credit culture by setting the highest standards through ensuring smooth processing of credit requests at his / her work desk.
Major Duties & Responsibilities to perform the Role:
1. Assess and review of the credit proposals, for fresh/renewal/enhancement or reduction, restructuring/rescheduling of funded and non-funded facilities to FIs etc.
2. Perform detailed financial analysis on Financial Institutions, including trend and ratio analysis, and interpret the financial information.
3. Ensure the Bank’s credit policies and SBP Regulations pertaining to lending to FIs are implemented across FID/ CIBG, in order to ensure accurate and robust risk assessment and evaluation process.
4. Review & recommend changes in Credit Policy and Procedure Manual.
5. Identify and escalate problematic exposures in line with prevailing issues.
6. Liaison with the internal audit and compliance as and when required.
7. Review and recommend requests received from FID for taking country exposures.
8. Supervise and assist analysts in timely review of FI limits.
9. Monitor compliance of SLA executed with CIBG.
Any other assignment as delegated from time to time
Relevant Experience: 06 to 08 years of banking experience (03 years min same level)
Qualification: University degree in Finance, Business, Commerce or equivalent.
Other Qualifications: JAIBP-SBP (Preferred)
Location: Head Office Lahore