CAREER OPPORTUNITIES
“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.
The individuals who fulfill the below basic-eligibility criteria may apply for the following position:
1. Regional Executive – Credit (AVP / VP):
Reporting to
Credit Hub Head – Credit Risk Management
Educational / Professional Qualification
Minimum Graduation or equivalent from a local or international university / college / institute recognized by HEC
Candidates having Master’s degree and / or any other relevant certification(s) including CFA will be preferred
Experience
Minimum 06 years of banking experience, out of which 03 years in Credit processing / approval in
a risk management role and / or relationship management in SME / Commercial / Agri segments
in Islamic and / or Conventional banking
Other Skills / Expertise / Knowledge Required
Excellent credit risk assessment skills
Ability to understand and analyze financial statements of the borrowers
Thorough knowledge of credit limits/ asset products of banks and credit limit structuring
Superior knowledge of SBP’s Prudential Regulations
Credit administration including securities and legal documentation requirements
MS Office
Problem Solving & Decision Making
Adaptability & Negotiation Skills
Leadership & People Management
Outline of Main Duties / Responsibilities
To approve credit proposals within defined delegated powers and to recommend proposals falling
beyond RE-Credit powers to approval authorities as per bank’s approved delegation level, policy
and procedures laid down in SBP Prudential Regulations/ guidelines and all Policies Circulars
issued from time to time by Head Office (Conventional & Islamic)
To issue sanction advices of the cases approved by Regional Setup/ Head Office to concerned
branches jointly with business
To monitor borrower’s accounts after disbursement for immediate picking-up early warning signals
and to advise/ recommend/ remedial measures to Branch Manager to endeavor to restrict their
movement towards classified category (Conventional & Islamic)
To approve/ seek approval for settlement/ restructuring/ rescheduling of cases as per SBP/banks’
instructions/ recovery policy jointly with Special Asset Management Group
To perform oversight and monitoring of branches with in the region to ensure compliance with
applicable policies and procedures of credit
To monitor the credit portfolio through credit returns and ensure its timely submission
To follow up on cases under litigation/ stuck-up accounts; and Liaising with Head Office for
handling credit related matters and remedial of other audit observations/ findings
To visit customer’s place to have inside view of the business performance
To coordinate and support business group to improve the quality of proposals and ensure all
necessary information are provided and incorporated in Credit Policy
To maintain and update MIS and staff data and share with different quarters as and when needed
To ensure compliance of Banking Laws, Regulations, Banking instructions and procedures
To maintain all files/ documentations and ensure comprehensive records maintenance related to
daily credit operations
To ensure Audit requirements and observations related to their own area are addressed (both
internal and external) and implement measures to minimize and curtail recurrence
To ensure all processes are completed within the specified TAT
To ensure all SOPs are followed as per policies and procedure of the Bank
To provide support and advise of the GM for smooth operations of branches and achievement of
business credit and customer service objectives of the region
Place of Posting
Bannu, Gilgit, Karachi West, Muzaffarabad AK, Peshawar and Rawalakot AK
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.
2. Credit Manager (OG-I / AVP):
Reporting to
Regional Executive Credit – Credit Risk Management
Educational / Professional Qualification
Minimum Graduation or equivalent from a local or international university / college / institute
recognized by HEC, preferably with Accounting or Finance background
Experience
At least 04 years of banking experience in Corporate and/or Commercial and/or SME banking,
either on the business side or risk management side in Islamic and / or Conventional banking
Candidates having experience of working in large scale banks will be preferred
Other Skills / Expertise / Knowledge Required
Financial Statement and credit analysis skills
Sound knowledge of SME, Commercial and Corporate financing products
Awareness of SBP Prudential Regulations
Good Interpersonal skills and business acumen
Outline of Main Duties / Responsibilities
To review the risk rating, to each borrower, at the time of fresh financing, enhancement, renewal
and rescheduling/restructuring
To ensure the proposals falling beyond the powers are forwarded to Regional Office after ensuring
that proposals are complete in all respects, associated risks have been identified and appropriate
risk mitigates are in place
To review and sanction/ recommend of structured loans jointly with Branch sales and Service
Manager within their discretionary powers
To monitor of all retail accounts after disbursement for any significant adverse change in the risk
profile of borrower/conduct of account and taking remedial measures
To follow up of cases under litigation /stuck-up accounts with relevant legal advisor
To seek approval for settlement /restructuring /rescheduling of cases as per SBP/bank’s
instructions/Product Program
To assess and meet training needs of Credit Staff
To follow-up cases of violations / exceptions relating to Credit referred by the Head Office with the
concerned Borrower for early rectification
To perform any other assignment as assigned by the supervisor(s)
Place of Posting
Karachi West
Assessment Interview(s)
Only shortlisted candidates strictly meeting the above-mentioned basic eligibility criteria
will be invited for test and / or 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.
>HOW TO APPLY:
1. Interested candidates may visit the website www.sidathyder.com.pk/careers and apply online within 10 working days from
the date of publication of this advertisement as per given instructions.
2. Applications received after due date will not be considered in any case. No TA / DA will be admissible for test / interview.