Team Lead – Credit Assessment

Job details

Job Overview: Bank AL Habib is seeking experienced and analytical professional to join our Credit Division as Team Lead – Credit Assessment. This role is responsible for supervising credit assessment officers, ensuring high-quality evaluation of credit proposals, and maintaining compliance with regulatory and internal policies. Qualification & Experience: • MBA / Master’s degree or equivalent qualification • Minimum 5 years of relevant experience in credit assessment Key Responsibilities: • Review credit cases assessed by Credit Analysts and ensure quality evaluation • Ensure compliance with Credit Policy, Credit Manual, Shariah rules (where applicable), and SBP Prudential Regulations • Coordinate with Zonal Offices, Business Team Leads, and Relationship Managers to analyze proposals and assess credit limits • Provide guidance to business units on credit assessment processes to improve turnaround time • Supervise and mentor Credit Assessment Officers to enhance workflow and efficiency • Review MIS reports and provide feedback on analysts’ assessments • Present credit proposals to Sub Credit Committee (Sub-CC) and Credit Committee (CCC) after due diligence • Conduct customer visits to evaluate physical assets and management quality, where required • Monitor assigned credit portfolio through MIS reports • Undertake special projects assigned by senior management • Serve as a member of Group C of the Sub Credit Committee (SCC) • Perform any additional tasks assigned by the Regional Credit Risk Incharge Location: Karachi