Sorry! This position is no longer accepting applications.

Job description / Role

Employment: Full Time

• Responsible for entire Credit function at the branch including improving health of the credit portfolio.
• Valuating creditworthiness, Risk rating, negotiating pricing, terms of loans for existing and potential clients at the time of establishing / renewing credit relationships.
• To coordinate regularly with peers, colleagues, managers at Branch / Head Office for feedback on key business performance and risk indicators.
• To supervise timely preparation of quality credit line proposals , conducting in depth analysis of: financial & market position, security/collateral, technical capability of the borrower and calculation of risk rating, as and when required.
• To monitor risk-threshold by regularly evaluating and mitigating the risks associated with portfolio and keeping the portfolio returns acceptable.
• To analyze the industry / business segment and obligor position in it.
• To closely monitor industry trends & economic changes effecting clients’ position & pass on information to the team members and keep the line manager informed / abreast of such developments.
• To ensure that the credit/ lending functions are managed in line with the Bank’s laid down credit policies & procedures and is in compliance with all regulatory requirements.
• To ensure close liaison is maintained between Head office, CAD at HO with respect to maintenance of record & documents, allowance/alteration of allowed limits.
• To update himself & their team members of the latest policies/ regulations of Saudi Arabian monetary agency & other regulatory bodies.
• To ensure that all H.O. guidelines, Regulations & other statutory requirements are strictly met & complied with in letter & spirit and to extend maximum cooperation to visiting auditors/ inspectors.
• Liaising with local lawyers other professionals to cover legal aspects /Recovery Process / evaluation of collateral securities for performing and non-performing loan accounts.
• Generating business transaction volumes from existing relationships, New relationships (local/Foreign companies)
• Bringing in new to bank accounts
• Implementing and maintaining complete control aspect i.e periodical client visits, call reports, formal credit checking, informal market feedback to monitor the assigned portfolio effectively.
• To coordinate with internal/external auditors to achieve satisfactory audit rating & ensure implementation of audit recommendations.


• Having 5+ years experience in analyzing credit proposals, risk assessments, dealing with KAFALAH program.
• Developing, reviewing, updating credit policy procedures, programs.
• Hands on experience in supervising credit administration function/ documentation.
• Monitoring special assets and legal persuasion.

About the Company

National Bank of Pakistan is largest state owned bank operating in Pakistan. It has redefined its role and has moved from a public sector organization into a modern commercial bank. The Bank's services are available to individuals, corporate entities and government. While it continues to act as trustee of public funds and as the agent to the State Bank of Pakistan (in places where SBP does not have presence).

National Bank of Pakistan has built an extensive branch network with over 1313 branches in Pakistan. It has agency arrangements with more than 3000 correspondent banks worldwide. Its subsidiaries are Taurus Securities Ltd, NBP Exchange Company Ltd, NBP Capital Ltd, NBP Modaraba Management Company Ltd, and CJSC Bank, Almaty, Kazakhstan. It has recently opened a subsidiary in Dushanbe, Tajikistan.

The bank has global presence having 23 overseas branches in 11 countries. The bank also has a representative office in China and Canada.

Get personalised updates on latest vacancies
Candidates who applied for this job also applied for:
Head of Credit, Corporate Banking
Commercial Bank of Dubai (CBD)
Dubai 4 Jun
Finance Manager
Dubai 24 Mar
Job Alerts by Email
  • Personalised updates on latest career opportunities
  • Insights on hiring and employment activity in your industry
  • Typically sent twice a month
IT Manager salaries in Saudi Arabia

Average monthly compensation
SAR 16,000

Breakdown available for industries, cities and years of experience