Relationship Manager – Commercial Center (OG – I / AVP)

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 Relationship Manager – Commercial Center (OG – I / AVP) in the area of Inclusive Development. This is a 3-year contractual position that may be renewed at the discretion of the Management, available at multiple locations across Pakistan.

Key Responsibilities

• • Manage and grow a portfolio of Commercial clients by providing customized financial solutions, ensuring asset quality, maximizing revenue, and maintaining strong client relationships in line with the bank's credit and risk policies
• • Develop and implement business strategies to book quality assets in alignment with organizational goals
• • Promote the bank's financing products, including working capital, trade finance, and term loans
• • Manage and enhance existing client relationships to ensure portfolio retention and growth
• • Regularly review the financial health and performance of clients to identify potential risks and opportunities
• • Conduct periodic client visits and provide updates on portfolio performance
• • Analyze financial statements and business models of Commercial Banking clients to assess creditworthiness
• • Structure and recommend appropriate financing solutions tailored to client needs
• • Prepare comprehensive credit proposals in compliance with internal policies and regulatory guidelines
• • Ensure credit facilities are approved within the risk appetite of the bank
• • Ensure adherence to internal credit policies, SBP regulations, and AML/KYC guidelines
• • Collaborate with internal stakeholders to provide seamless client service
• • Achieve financial and non-financial targets, including revenue, portfolio growth, and client satisfaction
• • Contribute to the bank's overall strategy by meeting Key Performance Indicators (KPIs)
• • Track early warning signals and initiate remedial measures for accounts showing stress
• • Actively monitor and manage classified and watch list portfolio to minimize credit losses
• • Engage with clients for restructuring, settlement or recovery of overdue exposure
• • Coordinate with recovery, SAMG and legal teams for resolution strategies, including negotiated settlements, rescheduling or legal action
• • Work closely with internal stakeholders such as Credit Risk, Operations, Treasury and recovery unit
• • Supervise and oversee overall operations of the unit and ensure that all activities are conducted strictly complying to the Bank's policies & procedures
• • 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 in Business (preferred)
• ✓ Professional certifications such as AIBP, JAIBP (preferred)
• ✓ Minimum 4 years of banking experience in Business Lending
• ✓ Experience in Business Finance, specifically in Commercial Financing
• ✓ Experience in SME banking
• ✓ Experience in Corporate Banking
• ✓ Experience in similar role in a Commercial Bank
• ✓ Strong understanding of Credit Lending, Commercial Financing, Credit and Trade Finance
• ✓ Sound knowledge of Banking Regulations and Market Dynamics
• ✓ Geographical and client knowledge of the place of posting
• ✓ Relationship Management and negotiation ability
• ✓ Analytical, communication and problem solving skills
• ✓ Ability to manage multiple tasks, organize priorities and meet targets
• ✓ Proficiency in MS Office and databases

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 commercial banking
• ✓ Portfolio management and client leadership opportunity
• ✓ Contributing to National Bank's inclusive development mission