National Bank Of Pakistan NBP Karachi Jobs 2025

Position/Job Title

Senior Relationship Manager-Commercial Center (AVP/VP)

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Reporting to

Head-Commercial Center

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Educational/Professional Qualification

Minimum Graduation or equivalent from a local or international university/College/Institute recognized by the HEC. Candidates having a Master's degree in Business and/or any other professional certifications such as AIBP, JAIBP will be preferred

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Experience

Minimum 08 years of working experience in business lending, specifically in Commercial Financing and/or SME and/or Corporate Banking or in a similar role, preferably in bank(s)

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Other Skills/Expertise/Knowledge Required

• Strong understanding of Credit Lending, Commercial Financing and Trade Finance • Sound knowledge of Banking Regulations and Market Dynamics • Ability to lead a team • Ability to work under pressure • Geographical knowledge of the place of posting • Relationship Management and negotiation ability • Analytical, communication and problem-solving skills • Ability to manage multiple tasks, organize priorities and meet targets • Proficiency in MS Office and databases

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Outline of Main Duties/Responsibilities

To lead a team of Relationship Managers and Relationship Officers for developing, maintaining, and growing a diversified lending portfolio. The role involves driving business growth, ensuring asset quality, overseeing credit and recovery functions, and providing leadership while ensuring adherence to regulatory and bank policies. To develop and implement business strategies to book quality assets in alignment with organizational goals To promote the bank's financing products, including working capital, trade finance, and term loans To manage and enhance existing client relationships to ensure portfolio retention and growth To regularly review the financial health and performance of clients to identify potential risks and opportunities To conduct periodic client visits and provide updates on portfolio performance To supervise and guide a team of Relationship Managers to achieve individual and collective business goals To provide coaching, mentoring and performance feedback to build team capability and ensure professional growth To analyze financial statements and business models of CB clients to assess creditworthiness To manage and enhance existing client relationships to ensure portfolio retention and growth To regularly review the financial health and performance of clients to identify potential risks and opportunities To conduct periodic client visits and provide updates on portfolio performance To analyze financial statements and business models of CB clients to assess creditworthiness To structure and recommend appropriate financing solutions tailored to client needs To prepare comprehensive credit proposals in compliance with internal policies and regulatory guidelines To ensure credit facilities are approved within the risk appetite of the bank To ensure adherence to internal credit policies, SBP regulations, and AML/KYC guidelines To collaborate with internal stakeholders to provide seamless client service To achieve financial and non-financial targets, including revenue, portfolio growth, and client satisfaction To contribute to the bank's overall strategy by meeting Key Performance Indicators (KPIs) To track early warning signals and initiate remedial measures for accounts showing stress To actively monitor and manage classified and watch list portfolio to minimize credit losses To engage with clients for restructuring, settlement or recovery of overdue exposure To coordinate with recovery, SAMG and legal teams for resolution strategies, including negotiated settlements, rescheduling or legal action including transfer of relationship process of loss accounts to SAMG To work closely with internal stakeholders such as Credit Risk, Operations, Treasury and recovery unit To supervise and oversee overall operations of the unit and ensure that all activities are conducted strictly complying with the Bank's policies & procedures along with SBP Prudential Regulations To perform any other assignment as assigned by the supervisor(s)

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Place of Posting

Karachi and Sialkot

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Position/Job Title

Relationship Manager-Commercial Center (OG-I/AVP)

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Reporting to

Senior Relationship Manager-Commercial Center

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Educational/Professional Qualification

Minimum Graduation or equivalent from a local or international university/College/Institute recognized by the HEC. Candidates having a Master's degree in Business and/or any other professional certifications such as AIBP, JAIBP will be preferred

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Experience

Minimum 05 years of working experience in business lending, specifically in Commercial Financing and/or SME and/or Corporate Banking or in a similar role, preferably in bank(s)

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Other Skills/Expertise/Knowledge Required

• Strong understanding of Credit Lending, Commercial Financing and Trade Finance • Sound knowledge of Banking Regulations and Market Dynamics • Ability to work under pressure • Relationship Management and negotiation ability • Analytical, communication and problem-solving skills • Ability to manage multiple tasks, organize priorities and meet targets • Proficiency in MS Office and databases

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Outline of Main Duties/Responsibilities

• To manage and grow a portfolio of Commercial clients by providing customized financial solutions, ensuring asset quality, overseeing credit and recovery functions, and managing client relationships in line with the bank's credit and risk policies • To develop and implement business strategies to book quality assets in alignment with organizational goals • To promote the bank's financing products, including working capital, trade finance, and term loans • To manage and enhance existing client relationships to ensure portfolio retention and growth • To regularly review the financial health and performance of clients to identify potential risks and opportunities • To conduct periodic client visits and provide updates on portfolio performance • To analyze financial statements and business models of CB clients to assess creditworthiness • To structure and recommend appropriate financing solutions tailored to client needs • To prepare comprehensive credit proposals in compliance with internal policies and regulatory guidelines • To ensure credit facilities are approved within the risk appetite of the bank • To ensure adherence to internal credit policies, SBP regulations, and AML/KYC guidelines • To collaborate with internal stakeholders to provide seamless client service • To achieve financial and non-financial targets, including revenue, portfolio growth, and client satisfaction • To contribute to the bank's overall strategy by meeting Key Performance Indicators (KPIs) • To track early warning signals and initiate remedial measures for accounts showing stress • To actively monitor and manage classified and watch list portfolio to minimize credit losses • To engage with clients for restructuring, settlement or recovery of overdue exposure • To coordinate with recovery, SAMG and legal teams for resolution strategies, including negotiated settlements, rescheduling or legal action including transfer of relationship process of loss accounts to SAMG • To work closely with internal stakeholders such as Credit Risk, Operations, Treasury and recovery unit • To supervise and oversee overall operations of the unit and ensure that all activities are conducted strictly complying with the Bank's policies & procedures along with SBP Prudential Regulations • To perform any other assignment as assigned by the supervisor(s)

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Position/Job Title

Relationship Officer (OG-II/OG-I)

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Reporting to

Relationship Manager-Commercial Center

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Educational/Professional Qualification

Minimum Graduation or equivalent from a local or international university/College/Institute recognized by the HEC. Candidates having a Master's degree in Business and/or any other professional certifications such as AIBP, JAIBP will be preferred

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Experience

Minimum 03 years of working experience in business lending, specifically in Commercial Financing and/or SME and/or Corporate Banking or in a similar role, preferably in bank(s)

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Other Skills/Expertise/Knowledge Required

• Strong understanding of Credit Lending, Commercial Financing and Trade Finance • Sound knowledge of Banking Regulations and Market Dynamics • Ability to work under pressure • Analytical, communication and problem-solving skills • Ability to manage multiple tasks, organize priorities and meet targets • Proficiency in MS Office and databases

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Outline of Main Duties/Responsibilities

• To manage and grow a portfolio of Commercial clients by providing customized financial solutions, ensuring asset quality, overseeing credit and recovery functions, and managing client relationships in line with the bank's credit and risk policies • To develop and implement business strategies to book quality assets in alignment with organizational goals • To promote the bank's financing products, including working capital, trade finance, and term loans • To manage and enhance existing client relationships to ensure portfolio retention and growth • To regularly review the financial health and performance of clients to identify potential risks and opportunities • To conduct periodic client visits and provide updates on portfolio performance • To analyze financial statements and business models of CB clients to assess creditworthiness • To structure and recommend appropriate financing solutions tailored to client needs • To prepare comprehensive credit proposals in compliance with internal policies and regulatory guidelines • To ensure credit facilities are approved within the risk appetite of the bank • To ensure adherence to internal credit policies, SBP regulations, and AML/KYC guidelines • To collaborate with internal stakeholders to provide seamless client service • To achieve financial and non-financial targets, including revenue, portfolio growth, and client satisfaction • To contribute to the bank's overall strategy by meeting Key Performance Indicators (KPIs) • To track early warning signals and initiate remedial measures for accounts showing stress • To actively monitor and manage classified and watch list portfolio to minimize credit losses • To engage with clients for restructuring, settlement or recovery of overdue exposure • To coordinate with recovery, SAMG and legal teams for resolution strategies, including negotiated settlements, rescheduling or legal action including transfer of relationship process of loss accounts to SAMG • To work closely with internal stakeholders such as Credit Risk, Operations, Treasury and recovery unit • To supervise and oversee overall operations of the unit and ensure that all activities are conducted strictly complying with the Bank's policies & procedures along with SBP Prudential Regulations • To perform any other assignment as assigned by the supervisor(s)

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Place of Posting

Karachi and Sialkot

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Employment Type

The employment will be on contract basis, for three years which may be renewed on discretion of the management. Selected candidates will be offered compensation package commensurate with their qualification and experience.

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Interested candidates may visit the website www.sidathyder.com.pk/careers and apply online within 10 working days from the date of publication of this advertisement.

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Applications received after the due date will not be considered in any case. No TA/DA will be admissible for test/interview. The Bank is an equal opportunity employer. Females, minorities and differently-abled persons are encouraged to apply.

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Note: The Bank reserves the right to accept or reject any application(s) without assigning any reason. Canvassing in any form will lead to disqualification. Individuals with criminal background are not eligible to apply.

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