National Bank of Pakistan, “The Nation’s Bank,” 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. As one of Pakistan’s leading and largest banks, NBP contributes significantly to socioeconomic growth with the objective of transforming into a future-fit, agile and sustainable bank.

In line with its strategy, NBP is looking for highly motivated, confident and career-oriented individuals to join its Risk Management function as Credit Officer – OG II.

Place of Posting

The position is available in the following cities:

• Bannu
• Bahawalpur
• Dera Ghazi Khan
• Faisalabad
• Gujranwala
• Gujrat
• Hyderabad
• Jhang
• Lahore
• Larkana
• Mirpurkhas
• Multan
• Rawalpindi
• Sahiwal
• Sheikhupura
• Sialkot
• Sukkur
• Vehari

Eligibility Criteria

Education / Qualification

• Minimum Graduation or equivalent from a local or international University, College or Institute recognized by HEC.
• Candidates with a background in Accounting or Finance will be preferred.
• Candidates holding a Master's degree in Finance or Economics, or an ACCA qualification, will be preferred.

Age

• Maximum age: 28 years as of the application closing date.

Experience

• Minimum 1 year of experience in Agricultural and/or SME Banking in Business and/or Risk Management within a commercial bank.

Outline of Main Duties / Responsibilities

• Support the Regional Executive Credit in reviewing and analyzing credit proposals for SME and Agri segments, including quantitative analysis and qualitative analysis as well as climate-related risks.
• Analyze working capital and requirements for both SME and Agri segments, including production and development loans as well as seasonal financing requirements.
• Ensure compliance with internal policies and regulatory guidelines.
• Structure credit limits in conjunction with the actual requirements of borrowers and in line with the offered collateral.
• Assist in rectifying internal and external audit observations.
• Coordinate with business groups for clarifications and relevant information.
• Assess and understand the risk profile of SME and non-farm credit lifecycles as awareness of green banking, environmental and social and climate-related risks.
• Perform any other assignment assigned by the supervisor(s).

Other Knowledge / Competencies

• Awareness of SBP Prudential Regulations.
• Good interpersonal and communication skills.
• Knowledge of Agri and SME financing products.
• Proficiency in Credit Analysis.
• Proficiency in Financial Statement Analysis.
• Proficiency in the use of MS Office.
• Understanding of different types of collateral.

Application Procedure & Selection Process

• Candidates should complete all required fields on the web portal and upload their updated CV, CNIC, latest passport-size picture, graduation and/or Master's educational documents, and relevant experience letters, if applicable, in either Word or PDF format.
• The CV should be submitted in a format that does not exceed 10 MB.
• Information received after the due date or incomplete/false information may result in rejection of the application.
• No TA/DA will be admissible for the assessment test/interview.
• Candidates will be evaluated based on the defined eligibility criteria.
• Shortlisted candidates will be required to appear for a mandatory assessment test. Further processing may include panel interviews.
• Bank reserves the right to reject or accept any applicant's suitability to meet the vacant positions.
• The employment will be on a contractual basis for 03 years, which may be renewed on the direction of Management.
• In case of selection, candidates will be required to serve at their initial place of posting for a minimum period of three years and no request for transfer will be entertained.

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