Credit Analyst (0–3 years) / Senior Credit Analyst (4–7 years)

Habib Metropolitan Bank is hiring experienced Credit Risk professionals for its Head Office in Karachi. The roles are within the Credit Risk division and involve evaluating financial health, assessing risk, and preparing credit recommendations for corporate/commercial clients.

Key Responsibilities:

• Credit Appraisal & Analysis: Perform detailed financial statement analysis and credit appraisal of corporate/commercial borrowers to assess their creditworthiness.
• Proposal Preparation & Review: Prepare and review comprehensive credit proposals, including financial modeling, risk assessment, and recommendation summaries for approval committees.
• Risk Assessment: Identify, quantify, and mitigate potential credit risks associated with lending exposures, ensuring alignment with the bank's risk appetite and SBP regulations.
• Portfolio Monitoring: (For Senior Analyst) Monitor assigned credit portfolios, conduct periodic reviews, and identify early warning signals.
• Reporting: Prepare high-quality credit reports with clear, concise recommendations and justifications.
• Stakeholder Coordination: Collaborate with relationship managers, business teams, and other internal stakeholders to gather information and discuss credit decisions.

Eligibility Criteria:

1. Experience:

• Credit Analyst: 0–3 years of relevant experience (fresh graduates with strong academics may be considered).
• Senior Credit Analyst: 4–7 years of experience in credit risk, credit underwriting, or corporate/commercial credit analysis. Candidates with experience in asset-side relationship management are also encouraged to apply.

Key Skills:

• Strong understanding of credit appraisal, financial statement analysis, and risk assessment.
• Excellent analytical, communication, and report writing skills.
• Proficiency in MS Excel and financial modeling is preferred.
• Sound knowledge of banking regulations and SBP prudential regulations is a plus.