Graduate Trainee – Credit Analyst at Habib Bank

The Credit Analyst is a full-time role responsible for assessing the creditworthiness of individuals, businesses, and institutions applying for financial products such as loans and credit facilities. The selected candidate will play a critical role in analysing financial statements, evaluating risk factors, and preparing detailed credit reports to support sound lending decisions.

This position contributes to the Bank’s overall credit risk management strategy by working closely with relationship managers and risk teams to ensure compliance with internal policies and regulatory standards.

Responsibilities

• Analyse financial statements, cash flows, and business performance to evaluate credit risk and recommend appropriate lending decisions
• Prepare comprehensive credit proposals, risk assessments, and supporting documentation for loan approvals
• Conduct industry and market research to support credit evaluations and risk assessments
• Monitor existing loan portfolios for early warning signs and recommend risk mitigation strategies
• Collaborate with Relationship Managers to understand client needs and structure tailored credit solutions
• Ensure credit documentation is complete, accurate, and compliant with regulatory standards
• Participate in credit committee meetings and present findings and recommendations as required
• Maintain up-to-date knowledge of banking regulations, credit policies, and market trends
• Support audit and regulatory reviews by providing required documentation and information
• Demonstrate strong analytical and problem-solving skills to manage complex credit scenarios

Areas of Expertise

• Financial analysis and credit risk assessment
• Banking products and credit policies
• Industry and market research
• Portfolio monitoring and risk mitigation

Skills & Competencies

• Strong analytical and quantitative abilities
• Excellent communication and presentation skills
• Attention to detail and integrity in handling sensitive financial data
• Ability to work collaboratively across teams and under pressure
• Proficiency in Microsoft Excel and financial modelling tools

Education & Experience

• Bachelor’s degree in Finance, Accounting, Economics, or related field
• 1–3 years of experience in credit analysis, financial analysis, or banking (entry-level candidates with strong academic records may be considered)
• Familiarity with credit scoring models, risk rating systems, and banking regulations is an advantage