Credit Manager (AVP) - TJ / 1885262

National Bank of Pakistan, one of the country’s largest and most reputable financial institutions, is seeking a dedicated and experienced Credit Manager (AVP) to join its Risk Management team in Sahiwal. The Bank is committed to supporting the nation’s financial well-being and fostering sustainable growth through its extensive local and international network. This role offers an opportunity to contribute to the Bank’s vision of becoming a future-ready, agile, and sustainable institution by managing credit risk effectively within the SME, Commercial, and Agricultural sectors.

Key Responsibilities:
- Support the Regional Executive Credit in reviewing and analyzing credit proposals for SME, Commercial, and Agricultural segments, including quantitative analysis and climate-related risk assessments.
- Analyze working capital requirements and credit needs for SME, Commercial, and Agricultural clients, covering production, development loans, and seasonal financing.
- Ensure compliance with internal policies and regulatory guidelines, including SBP prudential regulations.
- Structure credit limits aligned with borrower requirements and collateral offered.
- Assist in addressing internal and external audit observations related to credit risk.
- Coordinate with business units to obtain clarifications and relevant information for credit assessments.
- Develop an understanding of farm and non-farm credit lifecycles, with awareness of green banking, environmental, social, and climate-related risks.
- Perform additional assignments as directed by supervisors.

Required Qualifications:
- Minimum graduation or equivalent degree from a recognized local or international university, preferably in accounting or finance.
- At least six years of experience in Commercial and/or SME banking, with exposure to business or risk management functions within a commercial bank.
- Strong skills in credit analysis and financial statement analysis.
- Knowledge of SME and Commercial financing products and various types of collateral.
- Proficiency in MS Office applications.
- Good interpersonal and communication skills.

Preferred Qualifications and Benefits:
- Master’s degree in finance, economics, or ACCA qualification will be considered an advantage.
- Employment will be on a contractual basis for three years, with the possibility of renewal at management’s discretion.
- Compensation and benefits will be offered in accordance with the Bank’s policies and rules.
- National Bank of Pakistan is an equal opportunity employer and encourages applications from all qualified individuals regardless of gender, religion, or disability.

The position is based in Sahiwal. Only candidates who meet the basic eligibility criteria will be invited for panel interviews. Applications must be submitted within 10 working days from the date of the job posting. Late applications will not be considered, and no travel allowance or daily allowance will be provided for the interview process.