Credit Relationship Manager - PJ / 1940274

Our client Habib Metropolitan Bank Limited is looking for a Credit Relationship Manager in Karachi

The Relationship Manager Assets plays a critical role in identifying potential credit opportunities and managing loan processes while maintaining stringent adherence to internal policies and regulatory requirements. This position demands a proactive approach to customer relationship management and an ability to perform detailed credit analysis to assess risks and recommend appropriate lending solutions. The candidate is expected to continuously monitor clients’ financial health and market conditions to maximize asset quality and profitability. By demonstrating excellent presentation skills, the Relationship Manager will effectively communicate with clients, stakeholders, and senior management, ensuring transparent and informed decision-making. This role is ideal for an individual with strong analytical skills, a customer-focused mindset, and the ability to thrive in a results-driven banking environment.

Responsibilities

• To effectively manage prospective and existing corporate relationships in order to ensure achievement
  
  

of targets in terms of profit, fee based income, trade volumes, cross sell etc.

• To continuously monitor and assess financial health and credit quality of the customers/ industry (ies)
  
  

within the portfolio to proactively manage the potential risks involved in future transactions.

• To analyze credit proposals by looking at financial risk profile, repayment capability, security adequacy
  
  

and industry position; also to undertake external environment analysis to understand its impact on

credit portfolio.

• To ensure that the credit facilities have been properly structured and are in no way in violation of
  
  

internal or external regulations/bank policy(ies).

• To develop, enhance and maintain relationships with existing and new clients to ensure revenue /
  
  

profit targets are met /exceeded.

• To prepare a structured calling program to identify business opportunities and explore customer needs
  
  

with the aim of matching the bank's products.

• To provide regular updates to STLs/TLs on performance of the accounts allocated.
• To prepare/ initiate credit approval notes for clients and ensure that credit applications including
  
  

renewals are correctly prepared in accordance with the Bank's polices and regulatory framework.

• To ensure that all documentation for a credit proposal is complete and work with the credit quality
  
  

manager to ensure that there is no security shortfall.