Credit Officer (OG-II/OG-I)

The National Bank of Pakistan is seeking qualified candidates for the position of Credit Officer (OG-II/OG-I) to join their team. This role involves evaluating credit proposals, managing credit portfolios, and ensuring compliance with the bank’s credit policies and procedures. The ideal candidate will be responsible for analyzing financial information, assessing creditworthiness, and supporting the bank’s lending activities to promote sound risk management and business growth.

Key Responsibilities
- Assess credit proposals by analyzing financial statements, cash flow, and other relevant data to determine the creditworthiness of individuals and businesses.
- Prepare detailed credit appraisal reports and make recommendations for approval or rejection of credit applications.
- Monitor and review existing credit portfolios to identify potential risks and ensure timely recovery of dues.
- Ensure compliance with the bank’s credit policies, regulatory requirements, and internal controls.
- Liaise with clients to gather necessary documentation and clarify credit terms and conditions.
- Collaborate with other departments to facilitate smooth processing and disbursement of loans.
- Participate in credit review meetings and contribute to the development of credit strategies.
- Maintain accurate records and documentation related to credit transactions.
- Provide support in the resolution of credit-related issues and disputes.

Required Qualifications
- A minimum of a Bachelor’s degree in Finance, Commerce, Business Administration, or a related field from a recognized institution.
- Relevant experience in credit appraisal, risk assessment, or banking operations is preferred, particularly in a commercial banking environment.
- Strong analytical skills with the ability to interpret financial data and assess risk effectively.
- Good understanding of credit policies, banking regulations, and lending procedures.
- Proficiency in MS Office applications and banking software.
- Excellent communication and interpersonal skills to interact with clients and internal stakeholders.
- Ability to work independently as well as part of a team, demonstrating integrity and professionalism.

Preferred Qualifications and Benefits
Candidates with additional certifications such as CFA, ACCA, or relevant banking diplomas will be given preference. The bank offers a competitive salary package along with opportunities for professional growth and development within a reputable financial institution. Working at the National Bank of Pakistan provides exposure to a dynamic banking environment and the chance to contribute to the country’s economic development.

Interested candidates are encouraged to apply online through the official recruitment portal before the closing date of 09 October 2026. This recruitment process is managed by Sidat Hyder Morshed Associates, ensuring a transparent and merit-based selection. Further details about the role and application procedure can be found on the recruitment website.