Credit Analyst Agriculture Business Finance

Business Development & Credit Initiation:

• Processing the credit proposals in line with ABF policy guidelines.
• Undertake financial analysis and credit risk assessment in conformity with Bank’s policy and SBP Prudential Regulations. 
• To coordinate with ABF RM’s for effective management of credits sent to Risk Management
• To analyze credit and ensure that all bank policies are complied
• To liaison with risk department for credit approvals.
• Maintain TAT with respect to proposal analysis and approval.

Data Collection, Document Completion & Analysis:

• Review and analyze client’s financials, credit history, account standing in for pre-approval assessment.
• To continually assess operational risks inherent in the business, considering changing economic, legal/regulatory, market conditions, process/procedure changes, management restructuring and new technology and inform Credit Factory and supervisor accordingly to facilitate approval.
• Work as a liaison between customers and field from the time of application till final approval from higher authorities. 

Compliance and Credit Risk Monitoring & House Keeping:

• Ensure that KYC / AML and other compliance of all regulatory/Banks policies
• Initiate documentation for client credit files, and ensured internal system integrity   
• Ensure that the credit/ lending functions are managed with the Bank’s laid down credit policies & procedures.
• Keep updated about the latest policies/ regulations of State bank of Pakistan & other regulatory bodies.

Customer Service

• Regular coordination with coverage / support teams including Branch network, Risk Management and CAD etc. to improve overall TAT to provide utmost service quality.

Minimum Qualifications:

• Bachelor's degree from a HEC recognized institute.

Minimum Experience:

• 2 years

Knowledge And Skills:

• Financial Analysis
• Risk Assessment
• Understanding of Rural banking dynamics