Manager Risk Review (AVP)

Job Description

Description:

“The Nation’s Bank”, the National Bank of Pakistan, aims to support the financial well-being of the nation along with enabling sustainable growth and inclusive development through its wide local and international network of branches. Being one of the leading and largest banks in Pakistan, the National Bank of Pakistan is contributing significantly towards socioeconomic growth in the country with an objective to transform the institution into a future-fit, agile and sustainable bank. 

In line with our strategy, the bank is looking for talented, dedicated and experienced professional(s) for the following positions in the area of risk management based at Karachi.

The individuals who fulfil the below basic-eligibility criteria may apply for the following positions:

Position / Job Title:

Manager Risk Review (AVP)

Reporting to

Wing Head - Risk Review - SME Risk and RMG HR & Administration Division

Educational / Professional Qualification

• Minimum graduation or equivalent from a local or international university / college / institute recognised by the HEC of Pakistan
• Candidates having a master's degree and/or any other relevant certification(s) will be preferred 

Experience

• Minimum 06 years of banking experience, out of which at least 04 years in credit risk management and/or credit approvals and/or credit review and/or commercial banking and/or SME banking within a commercial bank
• Candidates having hands-on experience in independent credit review, portfolio monitoring, delegated credit approval, regulatory compliance, and policy implementation will be preferred 

Other Skills / Expertise / Knowledge Required 

• Strong knowledge of commercial and SME credit risk assessment
• Thorough understanding of SBP Prudential Regulations and internal credit policies
• Knowledge of the delegated credit approval framework and post-approval review processes 
• Strong analytical, investigative, and report writing skills
• Proficiency in MS Office and MIS reporting tools 

Outline of Main Duties / Responsibilities

• To responsible for independent review of SME and commercial credit approvals processed by Regional Head Credit and Hub Head Credit under delegated authorities
• To conduct risk based post approval reviews to assess compliance with internal credit policies, delegated approval authorities, and SBP Prudential Regulations
• To identify policy deviations, documentation deficiencies, underwriting weaknesses, recurring exceptions, and emerging portfolio risks, and recommend corrective and preventive actions
• To submit periodic risk review reports to the Head SME Risk, CRO and senior management
• To recommend enhancements to credit policies, approval processes, delegation framework, and risk controls based on risk review findings
• To ensure timely closure of risk review observations and monitor implementation of agreed corrective actions across regions and hubs
• To ensure timely completion of reviews
• To perform any other assignment assigned by the supervisor(s) 

Place of Posting:

Karachi

Assessment Interview(s):

Only shortlisted candidates strictly meeting the above-mentioned basic eligibility criteria will be invited for panel interview(s).

Employment Type:

The employment will be on a contractual basis for three years, which may be renewed at the discretion of the management. Selected candidates will be offered a compensation package and other benefits as per the bank's policy/rules. 

Apply within 10 working days from the date of publication of this advertisement as per the given instructions.

Applications received after the due date will not be considered in any case. No TA / DA will be admissible for interview.

The National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals, regardless of gender, religion, or disability.