📍 Multiple Cities | 📅 Posted: March 16, 2026 | ⏰ Apply By: April 26, 2026
Job Details
| Industry | Banking/Financial Services |
| Job Type | Full Time/Permanent (First Shift – Day) |
| Location | Karachi, Bahawalpur, Dera Ghazi Khan, Faisalabad, Gujranwala, Gujrat, Hyderabad, Multan, Quetta, Sahiwal |
| Experience | 3 Years |
| Apply By | April 26, 2026 |
| Department | Retail Banking |
| Education | Bachelor’s Degree |
Job Description
As a Relationship Manager for SME and Trade Sales, you will maintain and deepen relationships with existing SME customers, understanding their business, financial needs, and trade requirements, to provide advisory support and offer Shariah-compliant banking solutions. Your role involves identifying and acquiring new SME customers, ensuring onboarding and financing processes strictly adhere to Shariah principles, internal policies, and SBP regulations, thus expanding the Bank’s Islamic Banking portfolio and achieving NTB growth targets.
You will regularly review active lending relationships, monitor account conduct, repayment behavior, limit utilization, and trade transactions to proactively manage risk and optimize portfolio performance. Support on Islamic trade-related financing solutions such as Ijarah-based letters of credit, Murabaha, Salam, Musharaka, and Istisna guarantees will be part of your responsibilities, ensuring proper documentation and timely execution.
Key Responsibilities
- Maintain and deepen relationships with existing SME customers, providing advisory support and Shariah-compliant banking solutions.
- Identify and acquire new SME customers, ensuring onboarding and financing processes strictly adhere to Shariah principles, internal policies, and SBP regulations.
- Regularly review active lending relationships, monitoring account conduct, repayment behavior, limit utilization, and trade transactions.
- Support Islamic trade-related financing solutions such as Ijarah-based letters of credit, Murabaha, Salam, Musharaka, and Istisna guarantees.
- Scrutinize customer-submitted documents to identify potential risks and support Shariah-compliant credit decision-making.
- Prepare comprehensive RM packages and Credit Line Proposals, including risk assessments and Shariah compliance checks.
- Coordinate with Credit Admin, CAD, and CRM teams to ensure all credit-related documentation is properly maintained and Shariah-compliant exceptions resolved.
- Ensure all SME relationships and financing arrangements fully comply with Shariah principles, the Bank’s internal policies, and SBP regulations.
- Provide timely support for internal audits, Shariah compliance reviews, and regulatory inspections.
- Continuously enhance knowledge of Islamic Banking financing modes to support growth of the Bank’s Shariah-compliant SME and Trade portfolio.
- Prepare and submit reports/MIS regarding SME portfolio conduct, trade activities, and relationship performance for internal and external stakeholders.
- Liaise with Head Office units, SBP, and Shariah Compliance teams to ensure timely provision of information and updates on SME relationships.
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