Senior Credit Analyst

About the role

Habib Metropolitan Bank Limited is hiring a Senior Credit Analyst in Karachi and Lahore. The analyst assesses the creditworthiness of corporate and individual clients to minimise lending risk, evaluating borrowers' financial status, borrowing capacity, cash flow projections, industry outlook and account performance. The role also involves working with risk and control units and preparing quarterly reviews of non-performing loans.

Key responsibilities

• Analyse credit and financial risk to evaluate borrowing capacity and creditworthiness based on financial statements, cash flow projections, industry conditions and security breakdown.
• Coordinate with Relationship Managers and business units to structure credit limits that balance client needs with risk mitigation.
• Prepare credit notes and proposals for review and approval in line with bank policies and prudential regulations.
• Gather additional information on borrowers' character, business prospects, credit history and related entities, and conduct pre-disbursement visits or meetings.
• Work with the Operational Risk Unit on operational risk monitoring and reporting, and with the Internal Control Unit on testing internal controls over financial reporting.
• Prepare quarterly reviews of non-performing loan accounts and watch list portfolios for senior management.
• Support the Senior Credit Manager with ad hoc projects such as revising service level agreements, updating credit manuals and giving feedback on new products.
• Stay up to date with bank policies, regulatory requirements and market conditions, and use Microsoft Office to manage credit documentation and reporting.

Required profile

• Minimum of four years of relevant experience.
• Strong educational background in finance, accounting or a related field.
• Excellent analytical ability, attention to detail and effective communication skills.
• Positive attitude, strong negotiation skills and adherence to high-quality service standards.