| Job Title: |
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Credit Analyst |
| Category: |
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Accounts |
| Total Positions: |
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1 |
| Job Location: |
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Karachi |
| Gender: |
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No Preference |
| Minimum Education: |
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Bachelors |
| Career Level: |
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Experienced Professional |
| Minimum Experience: |
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3 Years |
| Apply By: |
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Jun 21, 2025 |
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| Job Description: |
- To determine the degree of risk involved in extending credit by conducting a comprehensive credit and financial risk analysis.
- To prepare memos on assigned credit proposals for onward recommendation
- and approval after ensuring that all requirements related to risk assessment as per the Bank's policy and Prudential Regulations have been checked.
- Conducting research on specific industries or markets to understand their dynamics, challenges, and opportunities. This helps in assessing the impact of external factors on the borrower's ability to repay.
- Ensuring that all credit assessments comply with the organization’s credit policies, procedures, and regulatory requirements. This includes documenting the rationale behind credit decisions.
- Communicating effectively with relationship managers, borrowers, and other stakeholders to gather necessary information and clarify credit-related issues.
- Identifying potential risks associated with credit exposures and recommending appropriate risk mitigation strategies, such as collateral requirements etc.
- Any other credit-related assignments assigned by management.
Qualification:
- Minimum Bachelor's, Preferably Master's in Finance. An
- ACCA qualification is a plus.
- Knowledge of banking systems, credit policies, and procedures is preferred.
- Proficient in MS Office.
- Strong analytical and writing skills are essential.
Experience:
- Minimum 2-4 years of relevant experience of Credit Risk or Relationship Management
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| Company Information |
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Company Name: BankIslami Pakistan Limited
Company Description:
BankIslami Pakistan Limited is a dedicated Islamic commercial bank operational in Pakistan since April 7th, 2006. The bank offers a full range of Shariah compliant commercial banking products and services through a network of 100 plus branches all over Pakistan. BankIslami is sponsored by three financially sound and reputable groups which are: The DCD Group, Dubai Bank and Jahangir Siddiqui & Company Limited. The DCD Group is a UK based group which has played a pioneering role in setting up of institutions such as the Islamic Bank of Britain and European Islamic Investment Bank aside from partnering with Dallah Al-Baraka Bank in South Africa. Dubai Bank is one of the upcoming banks in the UAE, owned by Dubai Holdings, the investment arm of Government of Dubai and Emaar Properties, which is the largest real estate company in terms of capitalization in the region. Jahangir Siddiqui & Co. Ltd is the largest and most diversified financial services group in Pakistan with a track record of innovation and success. It has the distinction of sponsoring the first and largest asset management company, ABAMCO Limited and the first Islamic Fund in Pakistan. Recently JS Group has been at the forefront of starting a US$ 70m private equity fund in Pakistan. The Bank was formally listed on the Karachi Stock Exchange on April 17th, 2006. The Shariah Board of BankIslami consists of three renowned and distinguished Shariah scholars namely Justice (Retd) Muhammad Taqi Usmani, Prof Dr Fazlur Rahman and Mufti Irshad Ahmad Aijaz. Mufti Irshad Ahmad is also the Shariah Adviser of the bank who works full-time with the management and guides them in issues pertaining to the Shariah. The business philosophy of BankIslami focuses on providing Shariah compliant products at par with better service and technology standards viz-a-viz conventional banks. In pursuit of this traditions BankIslami is the first commercial bank in Pakistan as well as in the region to deploy Biometric ATMs for its customer
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