Are you an experienced banking professional looking for a career-defining opportunity in credit analysis? The Bank of Punjab (BOP) has announced a key vacancy in its Consumer Banking Group (SME Division) for the position of Senior Credit Analyst / Credit Analyst. This role offers tremendous growth potential and a chance to work with one of the most progressive banks in Pakistan.
About the Bank of Punjab
With over 34 years of trusted banking services, BOP has grown into a nationwide network with 900+ real-time online branches and 900+ ATMs. The Bank is known for delivering premium financial services, pioneering innovation, and offering value-driven banking solutions to individuals and businesses alike.
Position Overview
-
Job Title: Senior Credit Analyst / Credit Analyst
-
Grade: AVP-I / AVP
-
Location: Sialkot
-
Number of Positions: 01
-
Department: Consumer Banking Group (SME Division)
Key Responsibilities
As a Senior Credit Analyst, you’ll be responsible for end-to-end credit evaluation, risk assessment, and portfolio management for SME clients. Your key duties will include:
✅ Client & Business Need Analysis
-
Assess client needs and determine appropriate financial facilities based on their industry’s trade dynamics.
-
Evaluate the asset conversion cycle and repayment capacity of borrowers.
✅ Credit Risk Assessment
-
Conduct detailed cash flow analysis, with focus on free cash flows as the primary repayment source.
-
Analyze borrower collateral and identify potential adverse credit risks.
✅ Proposal Development & Compliance
-
Prepare and finalize Credit Proposals quickly to meet TAT (Turnaround Time) targets.
-
Ensure strict compliance with SBP Prudential Regulations and internal Credit Policy Manual (CPM).
✅ Portfolio & Security Evaluation
-
Perform security analysis to assess the viability of collateral as a secondary repayment source.
-
Monitor credit health and ensure portfolio quality remains within acceptable standards.
✅ Internal Collaboration & Reporting
-
Work closely with Credit Review teams and other stakeholders to address credit issues.
-
Recommend appropriate risk mitigation strategies, term sheets, covenants, and conditions precedent.
✅ Training & Mentorship
-
Provide training to junior credit analysts and field staff to enhance credit proposal quality and presentation.
Eligibility Criteria
-
Qualification: Minimum Bachelor’s Degree from a HEC-recognized local or foreign university.
-
Master’s Degree holders will be given preference.
-
-
Experience: At least 5 years of banking experience, including a minimum of 3 years in credit analysis or a related function.
-
Age Limit: Up to 55 years as of June 28, 2025.
Why Join Bank of Punjab?
-
Be part of a leading, innovation-focused bank in Pakistan.
-
Receive a market-competitive salary and performance-based rewards.
-
Work in a strategic, decision-making role within the SME division.
-
Join a workplace that values diversity, inclusion, and career development.
How to Apply
📅 Last Date to Apply: June 28, 2025
🔗 Apply Online: Bank of Punjab Careers Portal
Important Notes
-
Only shortlisted candidates will be invited for interviews.
-
No TA/DA will be provided.
-
BOP reserves the right to reject any application without assigning a reason.
-
The Bank is an equal opportunity employer.
-
Females, minorities, PWDs, and transgender persons are encouraged to apply.
-