Aitemaad Islamic Banking

“The Nation’s Bank”, National Bank of Pakistan aims to support the financial well-being of the Nation while enabling sustainable growth and inclusive development through its wide local and international network of branches.

Being one of the leading and largest banks of Pakistan, National Bank of Pakistan is contributing significantly towards the socioeconomic growth of the country with an objective to transform the institution into a future-fit, agile and sustainable Bank.

In line with its strategy, the Bank is looking for talented, dedicated and experienced professionals for positions in the area of Aitemaad Islamic Banking.

Position Details

Job Title: Relationship Manager - SME & Commercial (OG-I)
Reporting To: Wing Head - SME, Commercial South & North
Place of Posting: Karachi & Lahore
Employment Type: Contractual, initially for three years, extendable at the discretion of Management

Educational / Professional Qualification

• Minimum Graduation or equivalent in Finance, Accounting, Economics or Commerce from a local or international university, college or institute recognized by HEC Pakistan.
• Candidates having a Master’s degree and/or Islamic Banking certification or degree/diploma from NIBAF will be preferred.

Experience

• Minimum 4 years of banking experience as Relationship Manager, Relationship Associate, Relationship Officer and/or Credit Officer in Corporate, Commercial and/or SME Assets.
• Candidates with an understanding of financial analysis, including Balance Sheet and Profit & Loss analysis, will be preferred.

Other Skills / Expertise / Knowledge Required

• People management skills.
• Knowledge of banking products, policies and procedures.
• Strong written and verbal communication skills.
• Proficiency in MS Office Suite.
• Good understanding of Islamic banking practices and products.
• Good negotiation skills.
• Ability to manage multiple tasks, organize priorities and meet targets.

Main Duties & Responsibilities

• Expand and efficiently manage the respective SME and Commercial Assets portfolio to meet revenue and profit targets.
• Introduce new customers and conduct periodic visits to customers’ business places and pledge sites, followed by submission of call reports to the Wing Head.
• Develop business through marketing structured products tailored to specific customer requirements and cross-selling of products.
• Manage existing and potential relationships and identify prospective clients to leverage further business opportunities, widen the portfolio and maximize overall customer risk-adjusted profitability and share of business.
• Prepare quality credit proposals using approved formats while ensuring accuracy and data integrity in line with risk management guidelines.
• Conduct periodic portfolio analysis to identify early warning signals and take necessary measures in accordance with applicable policies.
• Take proactive and remedial actions wherever required.
• Ensure compliance with all applicable regulatory requirements, internal policies and guidelines.
• Coordinate with Shariah Compliance and relevant internal stakeholders to ensure compliance with prevailing policies and regulations.
• Assist and coordinate with internal and external auditors to ensure timely provision of required information and closure of audit observations.
• Coordinate with the Credit Administration Department and customers for issuance of the Disbursement Authorization Certificate (DAC) and smooth account operations.
• Maintain, safeguard and regularly update credit files with the latest records.
• Take necessary measures to keep the portfolio regular and reduce the Non-Performing Loans (NPLs) ratio.
• Assist the Unit Head by providing necessary documents, documentary evidence and information to assess clients’ financing requirements.
• Ensure compliance with SBP Prudential Regulations, Foreign Exchange Manual, NBP Credit Policy Manual and other relevant laws and circulars issued from time to time.
• Create, update and utilize various reports and MIS as required by Management.
• Assist the Line Manager in building a healthy Commercial and SME portfolio.
• Build effective and mutually beneficial customer relationships and contribute towards maintaining a zero-complaint environment.
• Perform any other assignment entrusted by the supervisor(s).

Assessment Test / Interview

Only shortlisted candidates who strictly meet the above-mentioned basic eligibility criteria will be invited for assessment tests and/or panel interviews.

Employment Terms & Benefits

The employment will be on a contractual basis for three years, which may be renewed at the discretion of Management.

Selected candidates will be offered a compensation package and other benefits in accordance with the Bank’s policies and rules.

How to Apply

Interested candidates should apply online through the designated careers portal within 10 working days from the date of publication of this advertisement, following the instructions provided there.

Applications received after the due date will not be considered under any circumstances.

Note: No TA/DA will be admissible for the test or interview.

Equal Opportunity Employer

National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals, regardless of gender, religion or disability.