Credit risk analyst (AVP)
BankIslami Pakistan Limited
Total years of experience :9 years, 2 Months
(Corporate-Commercial-SME)
• Part of the team responsible for pre-disbursement credit risk analysis of Banks credit portfolio.
• To conduct comprehensive credit and financial analysis of client availing various facilities.
• To coordinate with RMs for ideal structuring of credit limits in order to minimize risk.
• Provide detail quantitative and qualitative analysis of credit applications.
• To ensure all requirements of risk management are intact with statutory regulations.
• Monitoring and complying with the instructions and guidelines of SBP Regulations
• Keep abreast of the current economic scenario industry trends and policies impacting industries.
• Assessing and reviewing the financial history of a company or individual.
• Evaluate the creditworthiness of new credit applicants and monitor the ongoing financial performances of existing credit customers.
• Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence.
• Provide recommendations tied to analysis and assessment of credit risk
• Present analysis, findings, and recommendations to managers, especially findings that involve a borrowers ability to repay.
• Preparing of quality credit line proposals. Assess clients financial status.
• Evaluate creditworthiness and risks.
• Contact clients to gather financial data and documentation Analyze of financial & market position, security/ collateral.
• To process & issue remittances instruments (pay orders, payslip, demand draft, online transactions) requested for issuance in transfer as input level Issuance of token due to manual cash operations .
• Stop payments .
• Issuance / encashment time deposit certificates Issuance, payment, balancing of pay order, DD.
• ATM claim settlements
• Internal transfers / online fund transfers.