PkVacancy Pakistan Job Site 
First Women Bank Ltd. is a unique financial institution and commercial bank of its kind in the world. In 1989 FWBL was incorporated as a Scheduled Commercial Bank under the Companies Ordinance, 1984 as a joint venture of five largest Commercial Banks and Government of Pakistan.
Manager Business Risk Review – Karachi
Bachelors / Postgraduate preferably MBA in Finance from an HEC recognized University with 3-5 years of audit & Business Risk Review experience in a bank. CA/ACCA/ recognized Credit & Risk Certifications will be preferred.
The ideal candidate should be able to perform thorough Credit Risk Analysis by having hands on experience over credit & risk policies throughout the bank and well conversant with the SBP’s Prudential Regulations and prevalent banking practices.
Main Duties & Responsibilities:
Review the individual borrower on the basis of Five ‘C’ of credit analysis; and recommending the additional enhancement where necessary. Furthermore evaluating the viability of borrower to continue as a going concern and analyze alternative sources for repayment.
To identify lacunas in the credit processing or policies which made the decision wrong.
BRR planning and identification of major risk areas prior to onsite inspection.
Review and redesign of BRR Forms after each cycle if needed to of team members for value addition
Review the risk rating assigned to individual loans / investments with respect to the likelihood of loss, quarterly monitoring of problem loans, adequacy of valuation reserve, required provision for loan losses and awarding appropriate risk rating / classification to the accounts.
Review of identification of concentrations of credit / investment and other significant trends which warrant attention.
Review of grading of the lending/investment staff by gauging their experience, academics, implied scrutiny, trainings and compliance to defined SOP.
Advising and recommending senior management for improvements in internal control and risk management systems and establishing a follow-up process to monitor and ensure that corrective actions are taken.
Review is conducted in adherence to written procedure manual from Risk Management/BRR and Prudential regulations. Systematic evaluation of the adequacy of and compliance with established lending / investment policies and related operating procedures.
Review of timely identification through red flagging the loans/investment as “Watch List” and subsequent monitoring of risk in delinquent and non-accruing loans, which could minimize losses.
Review of deficiencies highlighted in credit administration through loan documentation, perfection of security, valuation and insurance of collateral, expired portfolio etc.
Reviewing the Business Risk Review reports of lending units for senior management.
To participate in discussion on draft report and obtaining Management response against observations.
Review of Industry, country analysis, country studies and industry analysis for BRR reports.
Review the checking of delinquency and debt burden of entire FWBL staff through SBP credit report namely “electronic credit information bureau” (eCIB).
Last date for submission of Resume is 23 September 2015.
