MCB Bank Pakistan

Manager - Credit Review

Department	Reports To
Credit Review Risk Management Group	Unit Head / Department Head – Credit Review

JOB Description

To undertake credit risk analysis and assessment of existing & fresh borrowing accounts in order to maintain quality of Bank’s credit portfolio/lending book.

PRINCIPAL ACCOUNTABILITIES

No.	Accountability	%Time
1	Evaluate credit applications pertaining to all types of customers including Corporate, Commercial, S&ME, Agri, Consumer from all relevant business groups (CF&IBG, RBG, IBG, ARG etc), writing credit notes for new transactions, annual reviews, renewals, temporary extensions, waivers, and amendments to ensure compliance with credit terms and conditions. Analyze financial statements and determine obligor risk grades for borrowing relationships. Monitor industry trends and evaluate its effects on the portfolio of clients. Participate in formulating policies and procedures.	30%
2	Maintain TAT to ensure efficiency and to meet our standards for reviewing a particular type of request.	30%
3	Liaison with internal and external stakeholders to ensure compliance with requirements Bank’s of credit policy and with guidelines as set forth by the regulatory authorities.	10%
4	Field visits in order to get better understanding of the client’s operations.	10%
5	Liaise with Business Units with respect to credit requests and structure the proposed facilities in line with internal and external policy guidelines.	10%
6	Proactive identification of deteriorating credits by analysing industry, financial and credit risk analysis. i.e. recommend watch listing of the customers with deteriorating performance.	10%

KNOWLEDGE AND EXPERIENCE

Knowledge and Skills	Postgraduate degree concentration in finance.
Experience Profile	2 years plus of relevant experience.
Behavioral Competencies	Analytical Analysis, Team work, Ability to multi-task

Important Note

“Females and Persons with disabilities having required skill set are encouraged to apply . MCB bank Ltd is an equal opportunity employer and is committed to create an inclusive environment for all employees.”

To apply for this position please share your resume at [email protected] Please note, that the internal Job watch is for Permanent Employees only, incomplete forms / applications may not be entertained.

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Manager - Credit Review

JOB Description

PRINCIPAL ACCOUNTABILITIES

KNOWLEDGE AND EXPERIENCE

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