Credit Risk Manager
The Bank Of Punjab
Total years of experience :9 years, 8 Months
* Develop, review, and update credit policies in alignment with industry standards and organizational goals for Consumer, Mortgages, Agriculture and SME products.
* Conduct thorough financial analyses to assess the
creditworthiness of clients and potential borrowers.
* Monitor and manage the overall credit portfolio to
maintain a healthy balance between risk and return.
* Ensure that the organization's credit practices comply with all relevant laws and regulations including but not limited to regulatory compliance.
* Provide trainings on behalf of Risk Management Group to
newly hired batches.
* Conduct detailed financial analyses to assess the creditworthiness of clients and potential borrowers.
* Evaluate financial statements, credit reports, and other relevant data to determine risk levels.
* Quantify and assess credit risks associated with individual clients of consumer finance.
* Ensure compliance with credit policies and guidelines.
* Actively participate in process improvement initiatives to enhance the efficiency and effectiveness of credit risk analysis.
*Process the loan applications, ensuring that all required documentation is complete and compliant with regulatory standards.
* Collaborate with Loan Officers to resolve any discrepancies in documentation and further submission
for approval.
* Ensure that all data processing activities are align with Bank’s policy and regulatory requirements.
* Communicate with borrowers to understand their financial situation and reasons for non-payment.
* Negotiate repayment plans, settlements, or
modifications based on the borrower's circumstances
and organizational guidelines.
* Generate reports on the status of delinquent loans,
recovery efforts, and effectiveness of strategies.
* Collaborate with internal teams, including legal, risk
management, and customer service, to optimize loan
recovery processes.