Career Opportunity at National Bank of Pakistan

The Nation's Bank – National Bank of Pakistan (NBP) – is committed to supporting the financial well-being of the nation, fostering sustainable growth, and promoting inclusive development through its extensive local and international network. As one of the leading and largest banks in Pakistan, NBP is playing a pivotal role in the country's socioeconomic growth, aiming to evolve into a future-ready, agile, and sustainable institution.

In alignment with our strategy, we are seeking talented, dedicated, and experienced professionals for key positions in Inclusive Development. Qualified individuals meeting the eligibility criteria outlined below are encouraged to apply for the following position:

Position/Job Title:
Relationship Manager - Commercial & SME (AVP)

Reporting to:
Regional Manager Commercial & SME

Basic Eligibility Criteria:

Educational/Professional Qualification:

  • Minimum: Graduation or equivalent from an HEC-recognized local or international institution.
  • Preferred: Master’s degree from an HEC-recognized institution.

Experience:

  • Minimum 5 years of banking experience, with at least 2 years in Commercial and/or SME lending.
  • Preferred: Experience in Trade-related business.

Skills/Expertise/Knowledge Required:

  • Strong sales management and interpersonal skills.
  • In-depth geographical knowledge of the posting location.
  • Excellent verbal and written communication skills.
  • Proficient in MS Office (Word, Outlook, PowerPoint, Excel).
  • Sound knowledge of banking products and SBP Prudential Regulations.
  • Expertise in regulatory requirements related to Commercial & SME lending.

Key Responsibilities:

  • Achieve business growth and profitability targets in lending and trade by marketing new business relationships.
  • Develop and maintain the existing portfolio in line with the overall client relationship strategy.
  • Prepare credit proposals with detailed financial analysis, industry overview, financial spreads, and projections, ensuring risk parameters are addressed.
  • Recommend credit exposure approvals for existing and new customers.
  • Conduct frequent visits and follow-ups with customers and branches to ensure timely recovery of markup/principal.
  • Collaborate with CAD and legal counsel to prepare security documents and complete disbursement formalities.
  • Prepare and manage credit-related statistics and MIS reports for internal and external authorities.
  • Assist the Regional Manager in designing procedures for effective loan processing in the region.
  • Monitor clients for business opportunities while proactively managing potential risks.
  • Provide timely and accurate support for client retention.
  • Identify workflow improvements to enhance efficiency and service levels.
  • Comply with bank policies and regulatory requirements related to CSME financing.
  • Foster a positive and trustworthy relationship with clients and employees.
  • Prepare Statements of Classified Advances (SCA) in coordination with credit staff.
  • Collaborate with stakeholders for loan collection and recovery when needed.
  • Perform any additional assignments as directed by supervisors.

Place of Posting:

  • Gwadar, Karachi, Mansehra, Mianwali, Sargodha, Sialkot, Sibbi, Vehari

Assessment:

  • Only shortlisted candidates who meet the eligibility criteria will be invited for an interview.

Employment Type:

  • Contractual basis for three years, extendable at the discretion of management.

Compensation:

  • Selected candidates will receive a compensation package in line with the Bank’s policies.