Regional Manager - SME (AVP / VP)

National Bank of Pakistan, 'The Nation's Bank', aims to support the financial well-being of the Nation along with enabling sustainable growth and inclusive development through its wide local and international network of branches. The Bank is looking for talented, dedicated and experienced professionals for the position of Regional Manager - SME (AVP / VP) in the area of Inclusive Development. This is a 3-year contractual position that may be renewed at the discretion of the Management, based at Mansehra.

Key Responsibilities

• • Meet Commercial & SME assigned business growth and profitability targets of lending and trade business through marketing of new business relationships
• • Establish, develop and maintain existing portfolio contributing to the overall client relationship strategy
• • Prepare credit proposals along with financial analysis ensuring risk parameters are adequately addressed, industry overview, financial spreads and projections
• • Recommend request for the approval of credit exposure for existing and fresh customers
• • Conduct frequent visits and follow up with the customers and branches for timely recovery of markup / principal
• • Prepare security documents in liaison with CAD and legal counsel for completion of disbursement formalities as per sanction advice
• • Arrange disbursement after issuance of DAC
• • Prepare credit related statistics and MIS for internal and external authorities
• • Assist National Business Head in designing procedure for effective and efficient processing of loans in region / branch
• • Closely monitor clients for identification of business opportunities and anticipate potential risks
• • Proactively take action on possible risk issues and concerns
• • Provide timely and accurate service & support for the retention of CSME customers
• • Identify and recommend workflow and process alternatives leading to improve efficiency and service levels
• • Adhere Bank's policies and regulatory requirements in terms of CSME financing
• • Demonstrate and foster positive attitudes and trust among clients, prospects and employees
• • Prepare Statement of Classified Advances (SCA) in coordination with credit staff
• • Work with stakeholders regarding collection and recovery of loans
• • Perform any other assignment as assigned by the supervisor(s)

Requirements

• ✓ Minimum Graduation or equivalent from a local or international university / college / institute recognized by the HEC of Pakistan
• ✓ Master's degree from HEC recognized university / institution (preferred)
• ✓ Minimum 6 years of banking experience
• ✓ At least 3 years in SME banking preferably as Team Leader / Unit Head / Regional Manager / Business Head
• ✓ Working experience in Commercial Banking (preferred)
• ✓ Sales management & strong interpersonal skills
• ✓ Geographical knowledge of the place of posting (Mansehra)
• ✓ Strong verbal and written communication skills
• ✓ Sound knowledge of banking and lending products
• ✓ Proficient in MS Office suite (Word, PowerPoint & Excel)
• ✓ In-depth knowledge of SBP Prudential Regulations and regulatory requirements related to Commercial & SME lending

Skills & Expertise

What We Offer

• ✓ 3-year contractual position (renewable at Management discretion)
• ✓ Compensation package as per Bank's policy
• ✓ Benefits as per Bank's policy / rules
• ✓ Opportunity to work with a leading Pakistani bank
• ✓ Professional growth in banking sector
• ✓ Contributing to National Bank's inclusive development mission