Posted Oct 25, 2020 47 views
Division/Department: RMG / Consumer Credit Risk
Grade Range: AVP to VP
Reports To: Head Consumer Credit Risk
Job Summary:
To ensure that the quality of Consumer Credit portfolio is maintained within acceptable parameters, as defined under Bank’s Approved Credit Policy Manuals, PPMs and SBP’s Prudential Regulations. The candidate is responsible for instituting a strong risk management culture by applying high standards for evaluation and approval of credits and portfolio under management.
Major Duties & Responsibilities to perform the Role:
1. Manage and supervise the respective team to ensure credit quality of the assigned portfolio as per bank policies.
2. Analyze credit worthiness and repayment capacity of proposed borrowers based on case information and required documents including all relevant personal and business related data, CIB reports, financial and/or bank statements, external reports etc to manage risk.
3. Keep informed about all relevant bank policies, SOPs, SBP PRs/guidelines and industry best practices. Utilize these resources appropriately for the task above. Adherence to the specific PPMs for processing of related credit proposals.
4. Review and finalize RMG Due Diligence including any business feasibilities, financial statement/cashflow analyses, working capital assessment, transaction structuring, indebtedness, collateral, risk and mitigates etc.
5. Review and Revalidation of Financial Spreads and Obligor Risk Rating as per bank prevalent SOPs.
6. Ensure compliance of all regulatory and internally set parameters/limits including any Per Party and per Group credit Exposures.
7. Assess appropriate credit packages for borrowers in light of their repayment capacity, financing needs and risk/reward framework.
8. Meticulous review and finalization of credit proposals before approval as per authorities.
9. Achieve quick disposal of a high volume portfolio (for relevant products) or otherwise within assigned TAT
10. Meet with clients and visit projects to assess the viability/suitability of proposals to meet bank objectives.
11. Regular monitoring & oversight of the credit portfolio by maintaining requisite MIS and development of dashboards.
12. Take initiatives and suggest improvements to streamline processes and controls to secure bank interests.
13. Supervise, guide and train analysts.
14. Any other tasks/responsibilities assigned by department Head/CRO as required from time to time.
Relevant Experience: 10 Years of banking experience (Banking/FI-preferably in the appropriate segment)
Qualification: University degree in Finance, Business, Commerce or equivalent.
Other Qualifications: JAIBP-SBP/CFA/FRM any other specifically related to Credits or Risk would be an added advantage
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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