Credit Officer

National Bank of Pakistan (NBP) is seeking motivated and detail-oriented Credit Officers (Officer Grade II) to join its Risk Management team, focusing on the SME and Agriculture segments. This opportunity is available across 18 cities, offering candidates the chance to contribute to the bank’s risk assessment and credit evaluation processes. The ideal candidates will have a strong educational background, relevant experience, and a passion for supporting financial growth in these vital sectors.

Key Responsibilities
- Conduct thorough credit risk assessments and analysis for SME and Agriculture loan applications.
- Evaluate financial statements, business plans, and other relevant documents to determine creditworthiness.
- Monitor and manage the credit portfolio to ensure compliance with the bank’s risk policies and regulatory requirements.
- Collaborate with relationship managers and other stakeholders to facilitate timely and accurate credit decisions.
- Prepare detailed credit proposals and reports for review by senior management.
- Identify potential risks and recommend mitigation strategies to minimize exposure.
- Maintain up-to-date knowledge of market trends and sector-specific risks affecting SMEs and agricultural businesses.

Required Qualifications
- Graduation from a recognized university is mandatory.
- Maximum age limit of 28 years at the time of application.
- Minimum of 1 year of relevant experience in credit risk assessment, preferably within banking or financial institutions.

Preferred Qualifications and Benefits
While not explicitly stated, candidates with prior experience in SME and Agriculture financing or risk management will be at an advantage. Working with NBP offers exposure to a dynamic banking environment and the opportunity to develop expertise in specialized credit risk sectors. The role supports professional growth within a reputable national institution committed to financial inclusion and economic development.

This position is ideal for individuals seeking to build a career in credit risk management with a focus on supporting small and medium enterprises as well as agricultural ventures across Pakistan.