Offered Salary: 100,000 - 150,000 PKR Age: 30 - 40 years Gender: Both Skills Level: Expert Location: Karachi, Sindh Organization: National Bank of Pakistan (NBP) Posted on: 2025-09-01

Reporting To

This Credit Analyst position reports directly to the Unit Head - Credit Approvals. This reporting structure ensures clear communication channels and strategic alignment with the bank's credit approval processes, facilitating efficient workflow and decision-making.

Educational / Professional Qualification

Candidates are required to hold a minimum Graduation degree, with a preference for specializations in Agriculture, Finance, or Economics, from a university or college recognized by the Higher Education Commission (HEC). A Master's degree or an equivalent qualification in these disciplines, or a JAIBP/AIBP certification, will be highly preferred, providing a stronger foundation for the analytical demands of the role.

Experience

A minimum of 04 years of banking experience is essential for this role, of which at least 02 years must be in a specialized capacity such as Relationship Manager, Credit Analyst, SME (Small and Medium-sized Enterprises), Commercial, or Corporate Lending. Prior experience in Agri Corporate lending will be given significant preference, demonstrating direct relevance to a key sector for the National Bank of Pakistan.

Other Skills / Expertise / Knowledge Required

Strong understanding of credit analysis principles, encompassing financial statement analysis, ratio analysis, and comprehensive risk assessment techniques.
Familiarity with agriculture finance, including an in-depth understanding of the specific risks and dynamics inherent in the agriculture sector.
Proficiency in financial modeling and the application of various financial analysis tools to derive actionable insights.
Strong analytical thinking, with the capability to interpret complex financial data and formulate insightful conclusions.
Adequate knowledge of applicable Prudential Regulations stipulated by the State Bank of Pakistan (SBP) and other relevant regulatory frameworks.
Proficiency in MS Office Suite, including advanced Excel and PowerPoint, coupled with strong data analytical skills for report generation and presentation.

Outline of Main Duties / Responsibilities

To thoroughly analyze financial statements, credit histories, and other pertinent data to accurately evaluate clients' creditworthiness and identify potential risks.
To conduct in-depth analysis of clients' financial performance, including detailed ratio analysis, trend analysis, and cash flow projections, providing a holistic view of their financial health.
To prepare comprehensive credit reports with well-supported recommendations for credit decisions, meticulously highlighting strengths, weaknesses, and potential risk factors.
To identify and assess potential credit risks specifically associated with agriculture businesses, considering seasonal variations and market fluctuations.
To review all loan applications to ensure strict compliance with the bank's credit policy standards and verify that all required documentation is complete.
To collaborate effectively with senior credit officers, providing necessary data and analysis to support the approval process and aid in informed decision-making.
To ensure strict adherence to internal credit policies, banking regulations, and risk management guidelines throughout all credit evaluation processes.
To maintain organized and auditable records of all credit analysis, reviews, and approvals for compliance and internal/external audit purposes.
To prepare periodic reports detailing credit portfolio health, trends, and risk exposures for management review, enabling proactive risk mitigation strategies.
To perform any other assignment as assigned by the Supervisor(s) efficiently and effectively.

Application Method

Interested candidates are invited to visit the official website www.sidathyder.com.pk/careers to apply online. The application window is open for 10 working days from the date of publication of this advertisement, so ensure your application is submitted promptly. Only shortlisted candidates who strictly meet the basic eligibility criteria mentioned above will be contacted for a test and/or panel interview. The employment for the Credit Analyst position will be on a contractual basis, initially for a period of three years, which may be renewed at the discretion of the management. Selected candidates will receive a competitive compensation package and other benefits in accordance with the Bank's prevailing policy and rules. National Bank of Pakistan is committed to being an equal opportunity employer, welcoming applications from all qualified individuals irrespective of gender, religion, or disability.

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