JOB PURPOSE To analyze credit proposals at HOK and coordinate with Credit Factory and Risk for timely processing, tracking and escalation of proposals.
Credit and Risk
Reviewing Credit Proposal for fresh cases and upon renewal in line with Policy guidelines
Review and Undertake financial analysis and credit risk assessment in conformity with Bank’s policy and SBP Prudential Regulations
Balanced and independent judgment skill to assess each credit proposal on its merit
Knowledge of SBP Prudential Regulations and Financial statement analysis along with ratios
Lead training to regions on Program Based products and provide day to day guidance on credit related issues to ensure quality of credit proposals developed by regions
Track and monitor Regional collections and NPLs levels to identify segments / regions with credit issues.
To coordinate with regions for effective management of credits sent to HOK.
Process and Procedure
Develop policy updates and Product revisions to keep product updated with changes in regulation.
To liaison with Risk and CAD department for credit approvals or disbursement.
Maintain TAT with respect to proposal analysis and approval as per bank policy & SBP guidelines.
Assist in digitalization of credit proposal cycle and make processes customer centric
Qualifications Minimum qualifications :
Masters and Equivalent Minimum experience :
At least three years’ experience of credit analysis in SME / Program Based Lending Computer Skills : Advance Excel Word Power Point Primary Location : PK-SD-Karachi Work Locations : 7041-HBL Tower G-4 Block -7 KDA Scheme # 5 , Near Teen Talwar, Clifton Karachi Karachi Function : Consumer Rural and SME Banking