Posted Oct 25, 2020 3 views
Division/Department: RMG / Corporate Credit Risk
Grade Range: AVP1 to VP
Reports To: Unit Head Credit Risk-Corporate
Job Summary:
To ensure that the quality of Corporate Credit and IPF portfolio is maintained within acceptable parameters, as defined under Bank’s Approved Credit Policy Manual and SBP Prudential Regulations. The candidate is responsible to instill a strong credit culture by setting the highest standards through ensuring smooth processing of credit requests at his / her work desk.
Major Duties & Responsibilities to perform the Role:
1. Analyzes credit worthiness of corporate accounts by reviewing internal and external information, including processing activity reports, credit bureau reports, financial statements, etc.under guidance of Central Bank's Regulations & Bank’s own policy.
2. Writes detailed credit reviews and performs complex analyses, including analysis of cash flow, quality of assets and earnings, working capital, potential liabilities and risks, and impact of credit review findings.
3. Capable of Revalidating Financial Spreads, Obligor Risk Rating Models and Target Market Risk Acceptance Criteria (TM-RAC)
4. Identifying and proposing appropriate credit package for corporate entities in light of their financial standing, market prospects and working capital/ funding requirements.
5. Finalize Credit Proposals from all concerned quarters within shortest possible time to maintain TAT.
6. Regular monitoring & Compliance / follow-ups of special approval terms (covenants) to mitigate risk under Dynamic Loan Monitoring Mechanism.
7. Proper maintenance & up-gradation of customer credit files.
8. Ensure compliance of Per Party and per Group credit Exposures within set risk bearing limits.
9. Capable of thorough review of valuation reports, search reports for the purpose of precise Collateral Cushion Analysis
Regularly updates RMG E Track-MIS and ensure integrity of data entry in the e-MIS.
Relevant Experience: 06 to 08 years of banking experience
Qualification: University degree in Finance, Business, Commerce or equivalent
Other Qualifications: JAIBP-SBP (Preferred)
Location: Head Office Lahore
Job Details
The Bank of Punjab (BOP)
The Bank of Punjab was established in 1989 under The Bank of Punjab Act, 1989 passed by Provincial Assembly of the Punjab, as a non-scheduled Commercial Bank with majority shareholding of Government of the Punjab. The Bank earned the status of a scheduled Commercial Bank in 1994 and currently carries a vast network of over 620 online branches, strategically located across the Country along with an ATM network of over 550 offering 24/7 banking services to its diverse clientele of over 2 million. Since its inception, the BOP has seen many ups and downs and has also successfully weathered the waves of economic volatility, recessions and stiff market competition over the years. Current strong network base coupled with solid capital structure and phenomenal financial results posted during last few years has transformed the Bank to one of a leading financial institution of the Country. Now, the Bank standouts among peer group as a robust and rapidly growing commercial Bank. Besides offering a range of products and services to meet the modern days’ banking requirements of its clients, the Bank has also established its footprint in the areas of consumer financing, agriculture credit, corporate & investment banking, cash management and alternative delivery channels. While achieving the objective of financial inclusion through its presence in remote and unbanked areas of the Country with HarFardKaKhayal the Bank is playing its due role in the economic growth of the Country through its various specially tailored and designed products and services.
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