Hub Head / Regional Executive - Credit

Job Overview

National Bank of Pakistan (NBP), known as "The Nation's Bank", is seeking a talented, dedicated, and experienced professional for the position of Hub Head / Regional Executive - Credit (VP). The candidate will report directly to the Wing Head - Credit Approvals - Retail & Program Lending and will be based in Sukkur. This position offers a great opportunity for experienced banking professionals looking to grow their career in risk management.

Educational and Professional Qualifications

• Minimum Graduation or equivalent from a local or international university / college recognized by the HEC of Pakistan.
• Candidates having a Master's degree and/or any other relevant certification(s) will be preferred.

Experience Required

• Minimum 08 years of banking experience out of which 05 years must be 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 products will be preferred.

Skills and Competencies

• Advance MS Office proficiency
• Strategic Management
• Problem Solving & Decision Making
• Adaptability & Negotiation Skills
• Leadership & People Management
• Promote Innovation & Guide Change

Key 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).

How to Apply

Interested candidates may visit the official website https://nbp.rozeegpt.ai/ and apply online within 10 working days from the date of publication of this advertisement as per given instructions. Applications received after the due date will not be considered in any case. No TA/DA will be admissible for interview.

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