Hub Head / Regional Executive - Credit (VP)

"The Nation's Bank", National Bank of Pakistan aims to support the financial well-being of the Nation along with enabling sustainable growth and inclusive development through its wide local and international network of branches. Being one of the leading and largest banks of Pakistan, National Bank of Pakistan is contributing significantly towards socioeconomic growth in the country with an objective to transform the institution into a future-fit, agile and sustainable Bank.

In line with our strategy, the Bank is looking for talented, dedicated and experienced professional(s) for the following position inthe area of Risk Management based in Sukkur.

The individuals who fulfill the below basic-eligibility criteria may apply for the following position:

Position / Job Title:
Hub Head / Regional Executive - Credit (VP)

Reporting to:

Wing Head - Credit Approvals - Retail & Program Lending

Educational /Professional Qualification:

• Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan

• Candidates having Masters degree and / or any other relevant certification(s) will be preferred

Experience:

• Minimum 08 years of banking experience out of which 05 years in credit approvals in a commercial bank

• Candidates having experience of Retail and / or SME and / or Consumer and / or CAD and / or Islamic and / or Agri financing product will be preferred

Other Skills / Expertise / Knowledge Required:

• Advance MS Office

• Strategic Management

• Problem Solving & Decision Making

• Adaptability & Negotiation Skills

• Leadership & People Management

• Promote Innovation & Guide Change

Outline of Main Duties / Responsibilities:

• To review and approve retail credit proposals jointly with Business or Risk, in line with the delegated credit approving authority, the Bank's lending policies and SBP prudential regulations and guidelines

• To manage and monitor the retail credit portfolio to safeguard credit quality, identifying gaps and deviations from approved policy and procedure and implementing timely corrective measures to protect the Bank's interests

• To analyze credit proposals to identify risks and recommend appropriate mitigants in accordance with the Bank's credit policy, product programs and SBP regulations

• To oversee the performance of underwriters and analysts in the decision-making process and maintain effective working relationships between the credit approvals and business groups

• To prepare periodic performance reports covering approval and rejection rates, turnaround time and related portfolio metrics

• To ensure all tasks are completed within the prescribed Turnaround Time (TAT)

• To liaise with Business on retail credit matters and drive remediation of audit observations and findings

• To conduct comprehensive credit assessments by evaluating customers' financial strength, repayment capacity, collateral and overall risk profile to make sound credit decisions

• To maintain high standards of credit documentation, approval rationale and record keeping ensuring transparency, consistency and audit readiness

• To monitor portfolio trends, delinquency indicators, approval and decline patterns and concentration risks recommend policy enhancements where necessary

• To perform any other assignment as assigned by the supervisor(s)

Place of Posting:

Sukkur

Assessment Interview(s)

Only shortlisted candidates strictly meeting the above-mentioned basic eligibility criteriawill be invited for panel interview(s).

Employment Type:

The employment will be on contractual basis for three years which may be renewed ondiscretion of the Management. Selected candidates will be offered compensationpackage and other benefits as per Banks Policy / rules.

Apply within 10 working days from the date of this job posting.

Applications received after due date will not be considered in any case. No TA / DA will be admissible for interview.

National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals, regardless of gender, religion, or disability.