Senior Credit Analyst Jobs At Habib Metro Bank

Accounting & Finance, Banking
Karachi

Pakistan Classified

Permanent
Application deadline closed.

Job Description

HabibMetro Bank is looking for a dedicated and experienced professional to join its team as a Senior Credit Analyst.

This is a remarkable opportunity for individuals who are passionate about the financial sector and have the skills to analyze and manage credit portfolios effectively. The position is based at the bank’s Head Office in Karachi, offering a challenging yet rewarding career path.

Job Position

  • Grade: AVP

Key Responsibilities

As a Senior Credit Analyst, your primary responsibility will be to assess the creditworthiness of potential and existing clients. You will play a critical role in ensuring that the bank’s credit portfolio remains healthy and within acceptable risk parameters.

Your key duties will include:

  • Credit Analysis: Evaluate financial statements, market conditions, and economic trends to assess credit risk.
  • Risk Management: Identify and mitigate potential risks associated with lending, ensuring compliance with internal and regulatory guidelines.
  • Financial Modeling: Develop financial models to predict potential outcomes and assess the impact of various scenarios on the bank’s credit portfolio.
  • Client Interaction: Collaborate with clients to understand their financial needs and provide tailored credit solutions.
  • Report Generation: Prepare detailed reports and present findings to senior management, aiding in decision-making processes.

Department Role and Contribution

The Credit Department at HabibMetro Bank plays a crucial role in managing the bank’s lending activities. By carefully assessing and managing credit risk, the department ensures that the bank’s loan portfolio remains profitable while minimizing the likelihood of defaults.

As a Senior Credit Analyst, you will contribute significantly to this process by providing in-depth analysis and insights that help in making informed lending decisions.

Your role is vital in:

  • Maintaining Portfolio Health: Ensuring that the bank’s credit offerings are extended to financially sound clients.
  • Supporting Business Growth: By providing accurate credit assessments, you help the bank expand its client base safely.
  • Regulatory Compliance: Ensuring that all credit-related activities adhere to both internal policies and external regulations.

Required Skills and Qualifications

To be successful in this role, candidates should possess the following:

  • Experience: A minimum of 5 years of experience in credit analysis or a similar role, with 3-5 years of relevant experience.
  • Educational Background: A Master’s degree in Finance, Accounting, or a related field. Professional qualifications such as CA, ACCA, or CFA are highly preferred.
  • Analytical Skills: Strong analytical abilities with a keen eye for detail, particularly in assessing financial statements and market data.
  • Communication Skills: Excellent verbal and written communication skills, essential for interacting with clients and presenting findings to senior management.
  • Problem-Solving Abilities: The capacity to identify potential risks and develop strategies to mitigate them.

How You Can Make a Difference

As a Senior Credit Analyst at HabibMetro Bank, your work will have a direct impact on the bank’s financial stability and growth. By conducting thorough credit analyses and providing strategic insights, you will help ensure that the bank’s lending practices are both profitable and secure.

Your expertise will be critical in identifying opportunities for the bank to grow its portfolio while maintaining a strong risk management framework.

This position offers a chance to grow professionally in a dynamic and supportive environment. If you have the experience and qualifications required, and are looking to advance your career in credit analysis, this could be the perfect opportunity for you.

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