Credit Officer

Job Overview

Pan Asia Bank is on a progressive growth journey and is seeking dynamic, self-motivated professionals for the position of Credit Officer. This role is designed for individuals with specialized banking experience who can efficiently evaluate credit proposals, handle branch-level SME credit portfolios, manage non-performing assets, and ensure strict compliance with internal and regulatory credit operations.

Position Details

• Job Title: Credit Officer

• Company Name: Pan Asia Banking Corporation PLC

• Job Location: Colombo, Sri Lanka (Positions available for Batticaloa, Colombo, and Vavuniya Branches)

• Job Category: Banking & Insurance, Private Jobs

Company Overview

With a proud legacy of over 30 years, Pan Asia Bank (“The Truly Sri Lankan Bank”) is continuously evolving its brand, digital presence, and customer experience. Recognized among the Top 40 Corporates by Business Today and Top 100 Companies by LMD, the bank is focused on building a future-ready, purpose-driven, and digitally enabled brand that values growth, collaboration, and excellence.

Qualifications & Experience

• Full or Part qualification in Banking at IBSL.

• Diploma in Credit Management will be advantageous.

• Minimum of 4–5 years of working experience preferably in a Bank, out of which 2–3 years must be direct exposure in a credit role.

• Good knowledge of Credit procedures and regulatory requirements.

• Excellent verbal and written communication skills.

• Strong analytical and negotiation skills.

• Solid knowledge of industry/market conditions, volatility, and emerging trends.

• Ability to work effectively under pressure and meet strict deadlines.

Key Responsibilities

• Handle SME Credit in a branch and achieve set targets in Advances, NPA, and IIS.

• Evaluate loan applications and prepare proposals with detailed information and necessary attachments for the approving authority swiftly and efficiently.

• Ensure loan disbursements are made only on completion of security documentation, disbursed in stages, and ensure interest rates are charged as per tariff.

• Manage issuance of guarantees, holding applicable margin, renewals, cancellations, reversals, follow-up on expired guarantees, balancing, submitting monthly statements, and maintaining proper correspondence.

• Carry out site visits, ensure proper post-credit follow-ups, and react proactively to early warning signals.

• Take responsibility for Watch list / NPA management, including calling and visiting overdue clients.

• Carry out periodic physical verification of pawned articles.

• Maintain operations to ensure a low audit rating on all credit functions.

Required Skills

• SME Credit Evaluation & Analysis

• Loan Portfolio & NPA Management

• Credit Risk Mitigation & Security Documentation

• Bank Guarantee Administration

• Post-Credit Monitoring & Site Inspection

• Financial Negotiation & Problem Solving

Salary & Benefits

• The successful candidates will be provided with an attractive remuneration package.

• Includes fringe benefits commensurate with industry and market standards.

• Excellent opportunities for professional growth and structured career development within a premier commercial banking institution.

How to Apply

Interested candidates are requested to submit their resumes through the official corporate career portal before the specified deadline.

Important Notes

• Only applications received online via the designated career portal will be considered for the selection process.

• Profiles will be screened purely against the background criteria and credit exposure requirements.

• Assistant General Manager – Human Resources, Pan Asia Banking Corporation PLC, No. 450, Galle Road, Colombo 03.