Senior Credit Analyst

Job Title: Senior Credit Analyst

Department: Credit Risk Group

Experience: Bachelor’s degree in Finance, Banking & Finance, or a related field is required; a Master’s degree is preferred. Minimum 7–8 years of core credit risk assessment experience with strong skills in financial analysis, risk assessment, and communication.

Location: Karachi

Job Description: As a Senior Credit Analyst at JS Bank, you will be responsible for thoroughly analyzing and reviewing credit proposals from Corporate, Investment, and International Banking units by evaluating key risk factors such as financial health, repayment capacity, security adequacy, and industry positioning. You will collaborate with stakeholders to assess the creditworthiness of existing and prospective clients through detailed financial and operational analysis, including projected cash flows, ensuring credit facilities are structured to meet client needs while complying with all internal policies and regulatory requirements. Additionally, you will monitor accounts to maintain compliance and minimize credit losses, conduct periodic client visits to understand business dynamics, and provide insightful reports and recommendations to senior management, contributing to risk management strategies and policy improvements.