🎯 Job Summary / Key Responsibilities

Conduct comprehensive credit and risk assessments in line with Bank Credit Policy, Risk Management Policy, SBP Prudential Regulations, and applicable guidelines for SME/assigned portfolios. Recommend approval or rejection of credit proposals based on qualitative and quantitative analysis.
Ensure timely completion of credit proposals within defined Turnaround Time (TAT) for smooth operational workflow.
Prepare detailed due diligence reports covering industry trends, economic conditions, business sustainability, and borrower-specific risk factors.
Evaluate working capital requirements, business cycles, and capital expenditure needs of borrowers.
Review stock reports, valuation reports, and search reports to assess collateral adequacy and identify key risk exposures.
Revalidate financial spreads, obligor risk ratings, ESRM criteria, facility risk ratings, and calculate Expected Credit Loss (ECL).
Ensure that all new and existing credit exposures align with profitability, risk appetite, and balance sheet quality standards.
Monitor covenants, deferrals, and facility/limit expiries under a dynamic loan monitoring framework.
Ensure strict compliance with internal policies and regulatory requirements at all times.
Maintain updated credit portfolio MIS and provide periodic reporting as required.
Conduct client visits when required to assess business operations and industry conditions.

🎓 Eligibility Criteria

Qualification: Minimum Bachelor’s degree (or equivalent) from an HEC-recognized local or foreign university.
Experience: 3 to 4 years of relevant banking experience.
Age Limit: Maximum 55 years at the time of application.

Only shortlisted candidates will be contacted for interviews. No TA/DA will be admissible.
The Bank reserves the right to accept or reject any application without providing a reason.
The Bank of Punjab is an equal opportunity employer. Females, minorities, differently abled persons (DAPs), and transgender individuals are strongly encouraged to apply.
This position offers a market-competitive remuneration package.
Eligible candidates are encouraged to apply online through the official BOP career portal.

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