Grade: Band-10 to Band-09
Number of Positions: 02
Department: Commercial & SME Risk Division

🎓 Eligibility Criteria

• Qualification: Minimum Bachelor’s Degree from an HEC-recognized local/foreign university.
• Preferred: Master’s Degree holders.
• Experience: 02–04 years of experience, including banking/non-banking experience. Relevant experience will be preferred.
• Age Limit: Up to 55 years as of the application date.

💼 Key Responsibilities

• Conduct comprehensive risk assessments of SME/assigned portfolios according to BOP policies and SBP regulations.
• Review and assess credit proposals based on qualitative and quantitative factors.
• Finalize credit proposals within defined Turn Around Time (TAT).
• Prepare detailed due diligence reports covering industry conditions, business sustainability, and obligor-specific risks.
• Evaluate working capital requirements and business cyclicality.
• Review stock, valuation, and search reports for collateral assessment.
• Identify key risk areas and recommend appropriate risk mitigation measures.
• Revalidate financial spreads, Obligor Risk Ratings, ESRM criteria, Facility Risk Ratings, and Expected Credit Loss (ECL).
• Monitor compliance with covenants, deferrals, package/limit expiries, and other approval conditions.
• Conduct client visits when required to understand business models and industry dynamics.

🌐 How to Apply

Interested candidates who meet the eligibility criteria can apply online through the BOP Careers Portal.

ℹ️ Important Notes

• Only shortlisted candidates will be called for interviews.
• No TA/DA will be admissible.
• BOP reserves the right to accept or reject any application without assigning a reason.
• BOP is an equal opportunity employer.
• Females, Minorities, Differently Abled Persons (DAP), and Transgender candidates are encouraged to apply.
• The position offers market-based competitive remuneration.
• BOP Phone Banking: 111-267-200

🔎 Source: Official Careers Portal
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