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 plays a vital role in supporting the nation’s financial well-being and fostering sustainable growth through its extensive local and international branch network. This position offers an opportunity to contribute to the Bank’s mission of transforming into a future-ready, agile, and sustainable organization.

Key Responsibilities:
- Support the Regional Executive Credit in reviewing and analyzing credit proposals for SME, Commercial, and Agricultural sectors, including quantitative and climate-related risk assessments.
- Analyze working capital and financing requirements for SME, Commercial, and Agricultural segments, 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.
- Coordinate with business groups to obtain clarifications and relevant information.
- Understand the credit lifecycle for farm and non-farm sectors, with awareness of green banking, environmental, social, and climate-related risks.
- Perform any other assignments as directed by supervisors.

Required Qualifications:
- Minimum graduation or equivalent from a recognized university or institute, preferably with a background in accounting or finance.
- At least six years of experience in Commercial and/or SME banking, either on the business or risk management side 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.

The position is based in Sahiwal, and only candidates who meet the basic eligibility criteria will be invited for panel interviews. National Bank of Pakistan is an equal opportunity employer and encourages applications from all qualified individuals regardless of gender, religion, or disability. Please note that 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.