Senior Manager Commercial Banking

In this role, you will collaborate closely with internal and external stakeholders to evaluate creditworthiness, analyze financial data, and recommend suitable credit solutions aligned with Agay Barho's objectives. You will ensure compliance with banking regulations and internal policies, reducing credit risk and improving loan recovery processes. The Senior Manager will also identify opportunities to enhance commercial banking products and services by closely monitoring market trends and customer feedback. Strong communication skills are essential to liaise effectively with clients, internal teams, and regulatory bodies. This position demands a proactive approach to problem-solving and decision-making to sustain the financial health and growth of the commercial banking portfolio.
Responsibilities
 

In line with the Company's progression strategy, we invite applications from experienced, dedicated, and performance-driven professionals for the position of Senior Manager Commercial Banking in our Commercial Banking Division (Consumer Banking Group). This position offers an excellent opportunity for candidates desirous of building a long-term career in a dynamic organization.

Grade: Band-7 to Band-5

Location: Karachi

Job Responsibilities:

• Ensure all assigned hub/team business targets are achieved and balanced growth is achieved in financing to all segments under the Commercial Banking Division.
• Onboard new customers, establishing relationships and strengthening existing ones.
• Identify business opportunities to grow funded and non-funded business, structure proposals, negotiate terms, and determine security arrangements.
• Prepare and process credit proposals/renewals related to assigned relationships and conduct financial analysis and credit risk assessment as per the Bank’s policy and SBP Prudential Regulations.
• Ensure turnaround times defined by SBP or internal procedures for credit processing are met.
• Liaise with other business units for business leads and cross-sell with other business groups.
• Ensure no fresh NPL (Non-Performing Loans) additions in the portfolio and work towards reducing existing NPLs.
• Conduct periodical business calls to customers and submit business call/visit reports, ensuring timely recovery of installments, markups, and other bank charges.
• Ensure compliance with the Bank’s operational procedures and State Bank of Pakistan regulations.
• Maintain housekeeping of portfolio at 100% regularized level, ensuring satisfactory audit ratings and timely resolution of audit/SBP observations.
• Conduct proper screening of customers to ensure eligibility for Bank products and services, while maintaining credit discipline.
• Pay special attention to the needs of vulnerable persons, ensuring fair treatment in accordance with the Bank's policies.
• Monitor compliance of the terms and conditions of approved credit packages, ensuring record updating.
• Communicate any changes in product terms and conditions to customers promptly.
• Ensure the team receives adequate training on product knowledge, soft skills, and the Bank's FTC framework.

Eligibility Criteria:

Qualification: Minimum Bachelor’s or equivalent degree from an HEC recognized local/foreign university.

Experience: Minimum 07 years of banking experience, with preference for candidates having at least 5 years of relevant experience.