Credit Officer – Pan Asia Banking Corporation PLC

Credit Officer – Pan Asia Banking Corporation PLC

Job Overview

Job Title: Credit Officer
Company: Pan Asia Banking Corporation PLC
Location: Batticaloa & Vavuniya Branches, Sri Lanka
Job Type: Full-Time
Department: Credit Operations / SME Banking

Pan Asia Bank is seeking experienced Credit Officers to support its growing SME lending portfolio in the Batticaloa and Vavuniya branches. The successful candidates will be responsible for managing credit portfolios, evaluating loan applications, monitoring risk exposure, and ensuring compliance with banking policies and regulatory requirements.

Position Details

Organization: Pan Asia Banking Corporation PLC
Position: Credit Officer
Branch Locations: Batticaloa & Vavuniya
Industry: Banking & Financial Services
Employment Type: Full-Time

Company Overview

Pan Asia Bank is one of Sri Lanka’s leading commercial banks with a proud legacy spanning over 30 years. Recognized among Sri Lanka’s top corporate organizations, the bank continues to strengthen its digital presence and customer-focused banking solutions while maintaining a commitment to innovation and sustainable growth.

Qualifications & Experience

• Full or part qualification in Banking from IBSL.
• Diploma in Credit Management from a recognized institution will be an added advantage.
• Minimum 4–5 years of banking experience.
• At least 2–3 years of experience in a credit-related role.
• Strong knowledge of credit processes, risk assessment, and regulatory requirements.
• Understanding of market trends, industry conditions, and economic volatility.
• Excellent verbal and written communication skills.
• Strong analytical thinking and decision-making abilities.
• Effective negotiation and stakeholder management skills.
• Ability to work under pressure and meet deadlines.

Key Responsibilities

• Manage SME credit portfolios and achieve targets related to advances, NPA reduction, and interest income.
• Evaluate loan applications and prepare comprehensive credit proposals for approval.
• Ensure proper documentation and compliance before loan disbursements.
• Administer bank guarantees, including issuance, renewals, cancellations, reversals, and monitoring of expired guarantees.
• Conduct site visits and post-disbursement monitoring activities.
• Identify early warning signals and mitigate potential credit risks.
• Manage Watchlist and NPA portfolios through proactive follow-ups and recovery actions.
• Perform periodic physical verification of pledged and pawned assets.
• Maintain high standards in credit operations and ensure compliance with internal policies.
• Support audit readiness and minimize operational risk exposures.

Required Skills

• Credit analysis and evaluation.
• SME lending knowledge.
• Risk assessment and mitigation.
• Credit proposal preparation.
• Regulatory compliance knowledge.
• Portfolio management skills.
• Negotiation and stakeholder management.
• Analytical and decision-making capabilities.
• Communication and report-writing skills.
• Problem-solving and attention to detail.

Salary & Benefits

• Attractive remuneration package.
• Fringe benefits in line with industry standards.
• Opportunity to work with a leading Sri Lankan commercial bank.
• Career development and professional growth opportunities.
• Exposure to SME banking and credit management operations.

How to Apply

Interested candidates are invited to submit their applications through the Pan Asia Bank career portal before the specified closing date.

Please indicate the position applied for as:

Credit Officer – Batticaloa Branch or Credit Officer – Vavuniya Branch

Only shortlisted candidates will be contacted for further recruitment procedures.