Bank AL Habib Limited is inviting applications for the position of Credit Risk Analyst in its Credit Risk Division in Karachi. This opportunity is aimed at finance and accounting professionals with 1–3 years of experience in Corporate or Commercial Credit.
Candidates with an ACCA qualification or a Bachelor’s degree in Finance, Accounting, Business Administration, or a related discipline specified by the bank can apply. The last date to submit an online application is August 31, 2026.
Job Overview
| Detail | Information |
|---|---|
| Organization | Bank AL Habib Limited |
| Position | Credit Risk Analyst |
| Division | Credit Risk |
| Location | Karachi |
| Qualification | ACCA / Bachelor’s in Finance, Accounting or Business Administration |
| Experience | 1–3 years |
| Preferred Experience | Corporate/Commercial Credit |
| Application Method | Online |
| Last Date to Apply | August 31, 2026 |
About the Credit Risk Analyst Position
The Credit Risk Analyst role focuses on supporting the bank’s assessment and management of credit risk, particularly in relation to corporate and commercial customers.
The position is suitable for candidates who already have practical exposure to corporate or commercial credit and want to further develop their careers in banking, credit analysis, and risk management.
A Credit Risk Analyst generally evaluates financial and business information to help determine the creditworthiness and risk profile of borrowers. The exact duties and responsibilities will depend on Bank AL Habib’s internal policies and the scope assigned to the successful candidate.
Qualification Requirements
According to the advertisement, candidates should possess one of the following:
- ACCA
- Bachelor’s degree in Finance
- Bachelor’s degree in Accounting
- Bachelor’s degree in Business Administration
Applicants should clearly mention their educational qualifications and any relevant finance, accounting, banking, or risk-management certifications on their CV.
Experience Requirements
Bank AL Habib is looking for candidates with 1–3 years of experience in Corporate or Commercial Credit.
Relevant professional experience may include:
- Corporate credit analysis
- Commercial credit
- Credit risk assessment
- Financial statement analysis
- Credit proposals
- Banking relationship management
- Credit documentation
- Risk analysis
Candidates should make sure their CV clearly explains their responsibilities rather than simply listing previous job titles.
What Does a Credit Risk Analyst Do?
While the advertisement does not provide a detailed job description, a Credit Risk Analyst in a banking environment typically works on activities such as:
- Reviewing financial information of corporate or commercial customers.
- Analyzing financial statements and business performance.
- Assessing the creditworthiness of existing or prospective borrowers.
- Identifying potential financial and business risks.
- Supporting the preparation or review of credit proposals.
- Monitoring credit exposures and customer risk profiles.
- Reviewing financial ratios, cash flows, and repayment capacity.
- Ensuring credit assessments follow internal policies and regulatory requirements.
- Coordinating with relationship, credit, and risk-management teams.
These are typical responsibilities for this type of position and should not be considered a confirmed list of duties unless specified by Bank AL Habib during the recruitment process.
Skills That Can Strengthen Your Application
Candidates applying for this position may benefit from demonstrating skills in:
- Financial statement analysis
- Corporate and commercial credit
- Credit risk assessment
- Financial modeling
- Ratio and cash-flow analysis
- Accounting and finance
- Risk identification
- Credit documentation
- Microsoft Excel
- Analytical thinking
- Report writing
- Attention to detail
- Communication and stakeholder coordination
Experience working with corporate or commercial banking customers can be particularly relevant.
Who Should Apply?
This vacancy may be suitable for professionals currently working as:
- Credit Analyst
- Credit Risk Analyst
- Corporate Credit Officer
- Commercial Credit Officer
- Risk Analyst
- Credit Officer
- Corporate Banking Analyst
- Relationship Associate with credit exposure
Candidates with an ACCA or relevant Bachelor’s degree and 1–3 years of Corporate/Commercial Credit experience should consider applying.
How to Apply
Interested candidates must submit their applications online through the Bank AL Habib Current Openings portal.
Visit the Bank AL Habib website and navigate to:
Careers → Current Openings
Look for the Credit Risk Analyst vacancy and complete the online application with the requested information.
Applicants should prepare an updated CV highlighting their:
- Corporate or commercial credit experience
- Financial analysis skills
- Current and previous banking roles
- Educational qualifications
- Relevant certifications
- Credit and risk-management responsibilities
Application Deadline
The last date to apply is August 31, 2026.
Candidates who meet the eligibility requirements are advised to submit their applications before the deadline to avoid any last-minute issues.
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To apply for this job email your details to ba625885@gmail.com