The Bank of Punjab is hiring Manager / Analyst Risk – Risk Management Group

• Grade: Band-10 to Band-8

🎯 Job Summary / Key Responsibilities

• Conduct comprehensive credit and risk assessments in line with Bank Credit Policy, Risk Management Policy, SBP Prudential Regulations, and applicable guidelines for SME/assigned portfolios. Recommend approval or rejection of credit proposals based on qualitative and quantitative analysis.
• Ensure timely completion of credit proposals within defined Turnaround Time (TAT) for smooth operational workflow.
• Prepare detailed due diligence reports covering industry trends, economic conditions, business sustainability, and borrower-specific risk factors.
• Evaluate working capital requirements, business cycles, and capital expenditure needs of borrowers.
• Review stock reports, valuation reports, and search reports to assess collateral adequacy and identify key risk exposures.
• Revalidate financial spreads, obligor risk ratings, ESRM criteria, facility risk ratings, and calculate Expected Credit Loss (ECL).
• Ensure that all new and existing credit exposures align with profitability, risk appetite, and balance sheet quality standards.
• Monitor covenants, deferrals, and facility/limit expiries under a dynamic loan monitoring framework.
• Ensure strict compliance with internal policies and regulatory requirements at all times.
• Maintain updated credit portfolio MIS and provide periodic reporting as required.
• Conduct client visits when required to assess business operations and industry conditions.

🎓 Eligibility Criteria

• Qualification: Minimum Bachelor’s degree (or equivalent) from an HEC-recognized local or foreign university.
• Experience: 3 to 4 years of relevant banking experience.
• Age Limit: Maximum 55 years at the time of application.

⚠️ Important Instructions

• Only shortlisted candidates will be contacted for interviews. No TA/DA will be admissible.
• The Bank reserves the right to accept or reject any application without providing a reason.
• The Bank of Punjab is an equal opportunity employer. Females, minorities, differently abled persons (DAPs), and transgender individuals are strongly encouraged to apply.
• This position offers a market-competitive remuneration package.
• Eligible candidates are encouraged to apply online through the official BOP career portal.

🔎 Source: 📰 Official Careers Portal

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