Product Manager - Lending Products
HBL - Habib Bank Limited
Karachi, Sindh, PK
20h ago
source : Mehnat Mazdoori

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.
  • People Management

  • 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
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