Credit Analyst (AVP) - TJ / 1885259

National Bank of Pakistan, one of the largest and most prominent financial institutions in the country, is seeking a skilled Credit Analyst (AVP) to join its Risk Management team in Islamabad. The Bank is committed to supporting the nation’s financial well-being and fostering sustainable growth through its extensive local and international branch network. This role offers an opportunity to contribute to the Bank’s vision of becoming a future-ready, agile, and sustainable institution.

Key Responsibilities:
- Analyze credit proposals and assess the creditworthiness of obligors by evaluating business cycles, cash flows, and identifying associated risks while ensuring compliance with regulatory requirements and internal policies.
- Coordinate with relevant business units to gather necessary information for thorough due diligence.
- Collaborate with business and risk teams to conduct credit analysis considering market dynamics, client industry risks, and competitive positioning.
- Evaluate client cash flow and liquidity through ratio analysis and stress testing to assess balance sheet strength and profitability vulnerabilities.
- Assess reputational risks, including climate and sustainability factors.
- Conduct security assessments, review search reports, and analyze collateral and security documentation.
- Prepare recommendations for approval by the GM Credit Risk.
- Provide timely and insightful portfolio analysis to support decision-making.
- Assist in internal and external audit processes as required.
- Perform additional assignments as directed by supervisors.

Required Qualifications:
- Minimum graduation or equivalent degree from an institution recognized by the Higher Education Commission (HEC) of Pakistan.
- At least six years of banking experience, including a minimum of four years in corporate and/or commercial banking, either on the business or risk management side within a commercial bank.
- Strong expertise in credit and financial statement analysis.
- In-depth knowledge of corporate and commercial financing products.
- Understanding of various types of collateral and security assessments.
- Familiarity with State Bank of Pakistan’s prudential regulations.
- Proficiency in MS Office and strong interpersonal and business acumen skills.

Preferred Qualifications and Benefits:
- Candidates holding a Master’s degree and/or relevant professional certifications will be given preference.
- The position is offered on a contractual basis for three years, with the possibility of renewal at management’s discretion.
- Compensation and benefits will be provided in accordance with the Bank’s policies and rules.
- The role is based in Islamabad.

Only shortlisted candidates who meet the eligibility criteria will be invited for panel interviews. The Bank is an equal opportunity employer and encourages applications from all qualified individuals regardless of gender, religion, or disability. No travel allowance or daily allowance will be provided for the interview process. Applications must be submitted within 10 working days from the date of the job posting; late submissions will not be considered.