Credit Risk Officer (OG-I / AVP) at National Bank of Pakistan Karachi

Further Details

National Bank of Pakistan is now recruiting in Karachi. Apply for the position of Credit Risk Officer (OG-I / AVP). The required qualification is Master. This role is within the Banking industry. A postgraduate degree is preferred. The application process commenced on 01 May, 2024 via Advertisement Image. Interested and eligible candidates must submit their applications before the deadline on 11 May, 2024. This is a prime opportunity to join a renowned organization. For a step-by-step application guide and full eligibility criteria, please see the official advertisement on https://www.jobseed.pk.

Credit Risk Officer (OG-I / AVP) at National Bank of Pakistan

We have an immediate opening for the post of Credit Risk Officer (OG-I / AVP). The job location is Karachi.

Key Requirements:

• Qualification: Master
• Experience: 48 months minimum
• Vacancies: 1

This is a fantastic chance to work with a reputed organization and grow professionally.

Skills

• Knowledge of Corporate, Commercial, SME credit policies, credit procedures and SBP regulations
• Data and portfolio analysis
• Interpretation and comprehension of overall credit portfolio and highlight trends
• Interpersonal & writing skills
• Good Communication Skills
• Good team player with ability to prioritize and accomplish tasks
• Strong command of Microsoft Office Suite (MS Excel, Power Point, Word & Visio)
• Strong understanding of Departmental budgeting and Fixed assets / deadstock management
• Analytical skills in Excel, Power BI and other data visualization tools
• Understanding of credit risk, portfolio analytics and risk modeling
• Ability to work with cross-functional teams and manage deadlines

Duties and Responsibilities:

• To provide support for the development, maintenance, and revision of the Bank's credit policies and procedures ensuring that safe, sound, and compliant lending processes are in place that support the business growth in a responsible matter
• To support business by providing input for the evaluation of new and existing product programs
• To provide support in drafting new policy sections or revising existing ones
• This includes proposing clear procedures, guidelines, and credit standards for different financing segments
• To provide clarifications to internal stakeholders on the Bank's credit policies and procedures
• To coordinate with Auditors for the effective audit of the assigned function while ensuring prompt rectification of audit findings
• To perform any other assignment as assigned by the supervisor(s)
• To lead the budgeting function for both operating expenditures (OPEX) and (CAPEX) for the group, ensuring effective financial planning, control and reporting in line with organizational objectives and regulatory requirements
• To review the monthly MIS of expenses related to OPEX and CAPEX
• To supervise in the preparation of the annual budget in coordination with relevant divisions within the Group
• To coordinate with the Finance Department to reconcile and rectify incorrect expense entries against the approved budget
• To monitor and reconcile the actual expenditure statements and provide monthly / quarterly utilization and variance reports to Management
• To ensure that expenses during the year are in line with the approved budget
• To lead and reconcile records of dead stock and fixed assets in coordination with all stakeholders
• To perform any other assignment as assigned by the supervisor(s)
• To perform independent validation and periodic back-testing of Obligor Risk Rating (ORR) models and outcomes to ensure accuracy, stability, and regulatory compliance
• To demonstrate a sound understanding of credit risk concepts, including Probability of Default (PD), Exposure at Default (EAD), Loss Given Default (LGD), and Expected Credit Loss (ECL), along with their underlying methodologies and assumptions
• To support the calculation and review of regulatory Credit Risk-Weighted Assets (RWA) in accordance with the State Bank of Pakistan (SBP) Basel framework and applicable guidelines
• To assist in the preparation, review, and reconciliation of regulatory and management information system (MIS) reports, including exception and variance analysis, for submission to management and SBP
• To contribute to the preparation of responses to regulatory inspections, internal audits, and external audit observations
• To assist in the compilation, validation, and reconciliation of data used for regulatory capital calculations and related MIS's
• To support model governance activities, including documentation, model performance monitoring, and periodic reviews in line with internal policies and regulatory guidelines
• To coordinate with relevant Business Groups, Finance, and IT teams for data validation and reconciliation
• To support ongoing enhancements to credit risk models and reporting frameworks by identifying areas for improvement
• To perform any other assignment as assigned by the supervisor(s)

How to apply

How to Apply for Credit Risk Officer (OG-I / AVP):

• Application Process: Interested candidates are invited to visit the official website of the National Bank of Pakistan at www.sidathyder.com.pk/careers.
• Online Application: Apply online through the careers portal within 10 working days from the date of advertisement publication.
• Required Documents: Ensure your application includes a comprehensive CV, educational certificates, and any other relevant supporting documents as may be required.
• Eligibility Criteria: Candidates must meet the specified educational and experience requirements for each position.
• Selection Procedure: Shortlisted candidates will be invited for a test and/or panel interview.
• Important Note: Applications received after the due date will not be considered. No TA/DA will be admissible for test/interview.
• Equal Opportunity Employer: The National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals.

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