Credit Analyst

Department: Consumer Credit
Career Level: Junior / Associate Level

Education

• Bachelor's degree required.

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• Master's degree preferred.

Experience

• Minimum 2 years of relevant professional experience.

Required Skills

• Strong understanding of consumer lending products, credit evaluation, and risk assessment procedures.

• Experience in reviewing financial statements, credit reports, and assessing repayment capacity.

• Excellent analytical, numerical, and decision-making skills.

• Strong attention to detail and ability to meet defined turnaround times.

Key Responsibilities

• Review and assess consumer credit applications in accordance with the Bank's credit policies and established risk parameters.

• Evaluate applicants' financial profiles, income, repayment capacity, and existing financial obligations.

• Conduct financial analysis and assess creditworthiness to identify potential credit risks.

• Analyse credit reports, banking histories, and other relevant financial documentation.

• Ensure compliance with internal credit policies, regulatory guidelines, and applicable lending requirements.

• Identify potential red flags and recommend appropriate credit decisions based on risk assessments.

• Maintain accurate credit assessment records and ensure timely processing of applications.

Job Summary

BankIslami is seeking a qualified and analytical professional for the position of Credit Analyst in its Consumer Credit Department in Karachi. The ideal candidate should have relevant experience in consumer credit evaluation, financial analysis, and risk assessment, along with strong decision-making and analytical capabilities.

Application Deadline: 21 November 2026