HBL is seeking an experienced Senior Credit Analyst - Corporate Risk to support credit risk management and effective decision-making within its commercial banking operations.

Key Responsibilities

Credit Analysis

• Perform comprehensive credit analysis of commercial banking credit proposals.
• Evaluate qualitative and quantitative factors, including balance sheets, income statements, cash cycles, cash flows, and financial ratios.
• Assess financial requirements and repayment capacity to support effective credit decisions.

Credit Evaluation

• Conduct credit evaluations in accordance with HBL's internal credit policies and procedures.
• Ensure compliance with State Bank of Pakistan (SBP) prudential regulations and other applicable regulatory requirements.

Turnaround Time

• Process credit proposals within stipulated turnaround times.
• Maintain credit proposal tracking sheets and monitor queries and response times to ensure timely processing.

Value Addition

• Identify early warning signals and highlight key risks and mitigants.
• Provide innovative recommendations and suggestions to strengthen the credit analysis and evaluation process.
• Contribute to a secure and comprehensive credit evaluation framework.

Industry Reviews

• Conduct periodic industry reviews.
• Maintain updated knowledge of key economic sectors and industries.

Monitoring

• Monitor and follow up on past-due markup/principal, NPL accounts, expiries, deferrals, and approval covenants.
• Use internal MIS and classified credit reviews in coordination with business teams to maintain effective monitoring and control.

Reports, Projects and Record Keeping

• Prepare MIS reports, logs, review sheets, and reports relating to industries, sectors, NPLs, restructuring, and other areas.
• Maintain records of approved and declined credit proposals, financial statements, ORR, CCRs, MIS reports, overdue and NPL records, and other relevant documentation.
• Support management decision-making and budgeting through accurate reporting and record keeping.
• Participate in projects representing Risk Management when required.

Communication, Self-Development and Professional Behavior

• Maintain effective written and verbal communication.
• Pursue additional training and professional qualifications for continuous development.
• Follow HBL's core values and Code of Ethics while maintaining professional relationships with colleagues, team members, and external customers.

Support Role

• Provide support and assistance to Risk Managers and Head Commercial Risk.
• Contribute to smooth workflow, quick turnaround times, and effective credit decision-making.

Additional Tasks

• Perform any additional responsibilities assigned by the supervisor to manage workload and meet deadlines.

Qualifications

Minimum Educational Qualification:

• Bachelor's degree in Business Administration.
• MBA is preferred.

Minimum Experience:

• 8 to 10 years of experience in Credit Risk Management.

Job Information

• Position: Senior Credit Analyst - Corporate Risk
• Company: HBL
• Country: Pakistan
• City: Karachi
• Province: Sindh
• Job Type: Full Time
• Job Identification: 28391
• Application Deadline: August 18, 2026
• Work Location: G-4 Block-7, KDA Scheme #5, Near Teen Talwar, Clifton, Karachi, Sindh, Pakistan

Important Note

This job listing is provided for informational purposes. Candidates should verify the latest vacancy details and application requirements through the employer's official recruitment channel before applying.