Credit Analyst

Job Title: Credit Analyst
Total Position: Two (Karachi)
Job Type Permanent
Minimum Education: •  MBA/ACCA or any other relevant degree in Finance/Economics
Minimum Experience: •  Minimum 2-5 years of experience in commercial/retail lending
Skills Required:
•  Ability to interact with people at all levels as well as adaptability to change.
•  Must have excellent interpersonal, analytical and communication skills.
•  Possess adequate knowledge of Regulatory Requirements, Bank¿s Policies and Procedures.
•  Strong skills and proficiency in Microsoft Word, Excel and Power Point.
Job Requirements:
•  Analyse credit proposals submitted by Middle Markets/SE/Agri Segments including seasonal financing for approval or review/submission to next higher level.
•  Effectively assessed credit risk and client (current and potential) viability.
•  Perform analysis (quantitative and qualitative) of requests for loans and lines of credit.
•  Write memos briefing financial, industrial, business and other relevant risks. Provide recommendations to Credit Committee thereon, based on credit proposal, financial standing / covenants, and other internal benchmarks.
•  Monitoring industry concentration; maintain compliance with internal audit / controls and regulatory requirements on country wide basis.
•  Visiting premises/factories of customers from time to time.