Habib Metropolitan Bank Latest Jobs in Karachi August 2024

Habib Metropolitan Bank Jobs August 2024:

Organization: Habib Metropolitan Bank

HABIB METRO is inviting applications for Sr. Credit Analyst, AVP for Karachi (Head Office). Candidates with effective communication skills may apply for the position at https://careers.habibmetro.com/ or careers@habibmetro.com by Thursday, August 15th, 2024 with the subject Sr. Credit Analyst.

Experience: 8 or more years including 3-5 years in a similar role
Deadline: August 15th, 2024

Technical Skillset:

· Understanding of economic scenarios, industry trends, and regulatory requirements
· Exposure to prevalent regulatory requirements
· Excellent analytical and drafting skills
· Proficiency in MS Office

Responsibilities:

To assess each credit proposal concerning the complete profile of the borrowers; i.e. the character, attitude, financial risk profile, previous performance records, repayment capacity, etc., while evaluating the credit requests for all sorts of requirements (including fresh relationships/renewals/enhancements/waivers) based on financial/industry /sector analysis and security adequacy review.
To assess and analyze credit proposals for complete analysis concerning:

industry and sector/market analysis
group/company assessment (past and present performance)
creditworthiness/relationship with other FIs
growth/future prospects
alignment with regulatory requirements in line with internal control/credit policy

To ensure that credit facilities have been properly structured and there is no violation of internal or external regulations/policies.
To review loan and security documentation. To monitor security coverage ratio, financial covenants, and other important undertakings.
To draft, review, and add recommendations for revision of proposed transactions for both short and long term along with its related documentation.
Coordinate with TLs / SRMs for ideal structuring of the credit limits in line with the client’s financial needs after ensuring that all requirements related to the risk involvement are checked as per the Bank’s Policy and Regulations.
To identify possible gaps in performance and, wherever required, to enforce repayments, loan restructuring – in the event of classification, etc.
To liaise with Internal/External/Regulatory Auditors for the audit of Credit Proposals and other reporting.

We are committed to diversity, equity, and inclusion at HABIBMETRO. We are an equal opportunity employer and encourage individuals of all backgrounds, genders, races, ethnicity, religion, or disability status to apply.

Habib Metropolitan Bank Jobs August 2024:

Organization: Habib Metropolitan Bank

Experience: 8 or more years including 3-5 years in a similar role
Deadline: August 15th, 2024

Technical Skillset:

Responsibilities:

To assess each credit proposal concerning the complete profile of the borrowers; i.e. the character, attitude, financial risk profile, previous performance records, repayment capacity, etc., while evaluating the credit requests for all sorts of requirements (including fresh relationships/renewals/enhancements/waivers) based on financial/industry /sector analysis and security adequacy review.
To assess and analyze credit proposals for complete analysis concerning:

industry and sector/market analysis
group/company assessment (past and present performance)
creditworthiness/relationship with other FIs
growth/future prospects
alignment with regulatory requirements in line with internal control/credit policy

To ensure that credit facilities have been properly structured and there is no violation of internal or external regulations/policies.
To review loan and security documentation. To monitor security coverage ratio, financial covenants, and other important undertakings.
To draft, review, and add recommendations for revision of proposed transactions for both short and long term along with its related documentation.
Coordinate with TLs / SRMs for ideal structuring of the credit limits in line with the client’s financial needs after ensuring that all requirements related to the risk involvement are checked as per the Bank’s Policy and Regulations.
To identify possible gaps in performance and, wherever required, to enforce repayments, loan restructuring – in the event of classification, etc.
To liaise with Internal/External/Regulatory Auditors for the audit of Credit Proposals and other reporting.

Experience: 3 or more years in a similar role
Deadline: August 15th, 2024

Technical Skillset:

· Knowledge of the Bank’s policies and procedures vis-a-vis credit
· Understanding of prevalent regulatory requirements
· Good analytical and drafting skills
· Proficiency in MS Office

Responsibilities:

To determine the degree of risks involved in extending credit or lending money by conducting comprehensive credit and financial risk analysis on:
· borrowing capacity of the company
· Detail of borrowing from other FIs/DFIs (funded/non-funded exposure)
· cash flows and projections of the borrower company
· economy and industry
· limit structure and security breakdown of client
· account performance/conduct
Coordinate with RMs/Business units for ideal structuring of credit limits while ensuring that credit quality is not compromised.
Prepare notes on assigned credit proposals for onward recommendation and approval after ensuring that all requirements related to the risk assessment, as per the Bank’s Policy and Prudential Regulations, have been checked.
To liaise with stakeholders, especially work in close coordination with RMs/TLs for want of additional information concerning understanding the character of the borrower (including but not limited to its attitude, capacity, and willingness to repay), potential concerning business growth prospects, future projects/revenue/projections, credit history, allied concerns, directors’ detail, vendor detail, etc. for effective handling of the credit proposals.
To visit or invite the customer/representative for want of clarification vis-a-vis the disbursement process of the proposals.
Coordinate with the Operational Risk Unit [Risk Management] for all operational risk matters about the Credit Division including but not limited to reporting and revision of Key Risk Indicators, providing reason for breaches, conducting Risk Control Self Assessments, etc.
To liaise with the Internal Control Unit [Finance] for testing and review of internal controls over financial reporting.
Prepare quarterly reviews of fresh and existing NPL and watch list accounts for information of senior management.

We are committed to diversity, equity, and inclusion at HABIBMETRO. We are an equal-opportunity
employer and encourage individuals of all backgrounds, genders, races, ethnicity, religion, or disability status to apply.