| Job Title: |
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Credit Analyst |
| Category: |
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Accounts |
| Total Positions: |
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1 |
| Job Location: |
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Sialkot |
| Gender: |
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No Preference |
| Minimum Education: |
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Bachelors |
| Career Level: |
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Experienced Professional |
| Minimum Experience: |
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5 Years5 Years |
| Salary Range: |
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PKR 0 to 0 per Month |
| Apply By: |
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Nov 16, 2020 |
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| Job Description: |
Division/Department: SMED-R&PSL
Grade Range: AVP1 - AVP.
Reports To: Senior Credit Analyst
Location: Sialkot
Job Summary:
Incumbent is responsible to manage the assigned portfolio by independently analyzing and appraising credit risk of BOP’s existing and potential portfolio.
As part of the credit review, identify key risks and prepare due diligence, recommend appropriate risk mitigation measures and transaction structures, including security, loan covenants, loan analysis, preparing the credit analysis on loans presented to the credit committee and performing the annual reviews of credits.
Ensure acceptable credit health of the portfolio. Making presentation, reports for Regional Business Head/ Senior Credit Analyst.
Major Duties & Responsibilities to perform the Role:
- To conduct client need analysis and conclude what type of facilities the borrower requires keeping in view the terms of trade of that particular industry.
- Complete a thorough, in-depth analysis of new credit requests, credit change requests, renewals and annual relationship reviews. Recommend risk rating changes when analysis merits.
- Ensure that eligibility criteria is met before offering a product to the customer.
- Report findings that may have an adverse effect on loan collateral or a borrower’s ability to repay the loan.
- To understand the asset conversion cycle of the business and assess the repayment capacity of the borrower.
- Detailed cash flow analysis, since the bank would get repaid from free cash flows of the business
- To conduct comprehensive security analysis since the primary source of repayment is the cash flow while the secondary source is liquidation of security.
- Finalize Credit Proposals from all concerned quarters within shortest possible time to maintain TAT.
- To ascertain critical success factors of the business and assess the proposal in hand accordingly
- Evaluation & processing of Credit Proposals with respect to compliance of internal (CPM) and external (SBP PRs) regulations as well as risk evaluation criteria.
- Analyze the risks of credit proposal and make recommendations on risk mitigation measures, limit structures, tenor, security, covenants, Term Sheets and conditions precedent.
- Adopting problem solving approach and close coordination with Credit Review Team & other stake holders to achieve organizational goals.
- Training to relevant field functionaries / credit analysts for improvement in CA presentation and other credit related issues.
- To undertake timely and efficient measures in order to keep the portfolio health to acceptable standards.
- Any other assignment given by SCA/RBH
Relevant Experience: 05 Years of banking experience in a Similar Role
Qualification: Graduation / Masters |
| Company Information |
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Company Name: The Bank of Punjab (BOP)
Company Description:
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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