Credit Officer

Job Summary
We are looking for a meticulous and detail-oriented Credit Appraisal Professional to join our team on a full-time, contract basis for three months. This position is based in Karachi and requires the candidate’s physical presence at the office. The successful applicant will play a vital role in ensuring the accuracy and completeness of credit documentation, supporting credit decision-making processes, and maintaining strict compliance with regulatory standards. This role offers an excellent opportunity to gain hands-on experience in credit appraisal within a structured banking environment.

Key Responsibilities
The primary responsibility of this role is to review and assist in credit appraisals by verifying the accuracy and completeness of all related documents. The candidate will conduct pre-approval checks, which involve detailed financial analysis, review of Credit Appraisal Memorandums (CAM), application of scoring models, and validation of supporting documentation.

Collaboration with various internal departments is essential to resolve any discrepancies found in credit documents and to ensure full compliance with regulatory and internal policies. The candidate will be responsible for processing decisions made by the credit committee, ensuring that all approvals are properly documented, securely archived, and easily retrievable for future reference.

Additionally, the role requires providing support during internal and external audits, as well as regulatory inspections. This includes supplying necessary documentation promptly and offering clarifications as needed to auditors and regulatory officials.

Required Qualifications
Candidates must hold a Bachelor’s degree, which is mandatory for this position. Graduates or postgraduates with academic backgrounds in Accounting, Finance, Business Administration, or Economics will be preferred due to the nature of the role.

Strong communication skills are essential, as the role involves coordination with multiple departments and external stakeholders. Attention to detail is critical to ensure the accuracy and completeness of credit appraisal documents.

A solid understanding of banking products, credit appraisal processes, and compliance frameworks is required to effectively perform the duties associated with this position. Familiarity with regulatory requirements and internal controls will be highly beneficial.

Preferred Qualifications and Benefits
While not explicitly stated, candidates with prior experience in credit appraisal or banking operations will have an advantage. This contract position provides a valuable opportunity to enhance your expertise in credit risk assessment and banking compliance within a dynamic and professional environment.

Applicants who meet the outlined qualifications and are eager to contribute to a collaborative team are encouraged to apply. This role not only offers practical experience but also the chance to build a strong foundation for a career in banking and finance.

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This description captures the essential aspects of the role while maintaining clarity and professionalism, ensuring candidates understand the expectations and opportunities associated with the position.