Senior Credit Officer-SME/Commercial Risk – UBL BANK – Apply Now Full Time

Full Job Description: Senior Credit Officer – SME/Commercial Risk

Overview:

United Bank Limited (UBL) is actively seeking a highly experienced and dedicated professional for the position of Senior Credit Officer – SME/Commercial Risk within its Risk & Credit Policy Division. This pivotal role is essential for safeguarding the bank’s lending portfolio and ensuring sound credit decisions that support business growth while managing risk effectively.

Job Summary:

In this role, you will report directly to the Head of Credits – South. You will play a key part in reviewing and approving credit proposals generated by the Commercial and SME Business Teams. Moreover, you will evaluate seasonal financing requests and assess new or existing credit facilities for clients in Karachi and Baluchistan.

Key Responsibilities:

• First and foremost, review and analyze credit proposals submitted by the Commercial and SME teams. Evaluate risks, assess viability, and approve or recommend proposals for higher-level review.

• In addition, manage and monitor the credit risk associated with portfolios from the Karachi and Baluchistan regions. Identify potential concerns and recommend necessary mitigation strategies.

• Lead a team of Credit Analysts, providing them with mentorship, guidance, and skill-building opportunities. Foster a culture of accuracy, accountability, and ongoing development.

• Conduct joint visits with the business team to meet current and prospective clients. These visits are crucial for understanding clients’ business operations and financial health.

• Furthermore, proactively monitor the loan portfolio, identify early warning signs, and take corrective action to maintain asset quality.

• Regularly conduct performance reviews, lead credit discussions, and hold strategic meetings with internal and external stakeholders to ensure alignment.

Experience & Qualifications:

To succeed in this role, you must bring a wealth of knowledge and relevant experience:

• A minimum of 12 to 15 years in credit underwriting or relationship management, specifically in the Commercial or SME banking segment.

• A Bachelor’s or Master’s degree in Finance, Economics, BBA/MBA, or ACCA from a recognized institution.

Key Skills:

• Proven ability to independently assess and approve credit decisions or support senior officers in doing so.

• Strong interpersonal and communication skills. You should be able to confidently interact with team members, clients, and executive stakeholders.

• Advanced analytical skills, with a strong grip on credit assessment tools and financial modeling.

• Solid understanding of SBP regulatory frameworks, internal bank policies, import/export processes, and relevant credit documentation.

• Additionally, you should demonstrate adaptability, initiative, and leadership to manage complex credit situations in a dynamic environment.

Additional Information:

• Seniority Level: Senior Officer / Mid-Level Management

• Employment Type: Full-time

• Job Function: Credit Risk, Portfolio Management, Client Evaluation

• Industry: Banking, Financial Services

Why Join UBL?

At UBL, we are committed to nurturing talent and building a performance-driven culture. As a Senior Credit Officer, you will have the opportunity to make strategic decisions, lead high-impact projects, and contribute to one of Pakistan’s most respected financial institutions. If you are passionate about credit risk management and ready to take your career to the next level, we encourage you to apply.