Credit Analyst for Consumer Products – Karachi

Incumbent having graduate degree preferably MBA from a HEC recognized university with 3 – 5 years of credit analyst expertise for Consumer Producti.e Credit Cards, Personal Loans, Auto Loans & Mortgages. Candidate will be able to understand eCIB& independently check Datacheckreports& Understanding of verification process. He/she must be familiar with income assessment method from payslip and bank statement proxy & with debt burden calculation methodology. Must have understanding of application (AB-II) and behavioural scorecard.

Main Responsibilities:

  • Review of consumer loan applications for completeness and compliance of policy and consumers PRs.
  • Take decision on consumer application, assign the limit accordingly to the bank and ensure that all requirements are in the place for credit extension.
  • Review of loan documentation before decision to ensure the completeness.
  • Responsible to take quality decision by minimizing the risk aspects.
  • Follow up with business, credit and branches for discreipances.
  • Development of MIS for consumer loans and its follow up with stakeholders.
  • To assist in development of new products.
  • Maintaining the record for consumer risk management
  • Assist in various tasks to coordinate with inter/external auditors etc.

Site last updated May 21, 2019 @ 7:12 am