Job Description

Experience Required: 8–10 years in the credit department of a bank or financial institution

Education Required:

MBA (Finance) from a reputable institution, or
CA/CFA
International certifications will be an added advantage.

Job Description

Pakistan Microfinance Investment Company Limited (PMIC) is seeking a qualified professional for the position of AVP Credit Risk and CAD in Islamabad. The successful candidate will review credit proposals, assess borrower ratings, conduct field visits, oversee facility documentation, and ensure compliance with credit risk and Environmental, Social, and Management (ESM) policies.

Key Responsibilities

Evaluate credit proposals and products submitted by the Portfolio Management Department.
Review and validate borrower ratings under the Institutional Rating System (IRS).
Conduct field visits to borrowers’ head offices, branches, and end clients to assess financial and operational conditions.
Monitor portfolio performance and covenant compliance through monthly and quarterly reports.
Identify emerging risks, breaches, and exceptions and report them to senior management.
Coordinate facility documentation, including acceptance letters and loan agreements.
Ensure compliance with approved facility terms and valid documentation.
Track regulatory developments and update Credit and ESM policies and procedures.
Contribute to the development of the Loan Origination System (LOS) and Loan Management System (LMS).
Prepare management risk reports and Board Risk Committee (MRC) and Board Risk Committee (BRC) meeting packs.
Coordinate with Portfolio Management and Legal departments to improve credit risk management processes.

Required Functional Competencies

Financial Analysis
Microfinance Operations and Dynamics
Advanced Knowledge of MS Office
Drafting of Policies and Procedures
Knowledge of the Companies Act, NBFC Rules, and NBFC Regulations

Core Competencies

Teamwork
Decision-Making and Problem-Solving
Initiative and Change Orientation
Planning and Organizing
Effective Communication

🔎 Source: Official Careers Portal

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