Credit officers job vacancy at Pan Asia Bank

About the Job

Pan Asia Banking Corporation PLC (Pan Asia Bank), affectionately known throughout the island as "The Truly Sri Lankan Bank," is actively searching for experienced, analytical, and highly driven professionals to fill vacancies for the role of Credit Officers. Boasting a proud and impactful legacy of over 30 years in the domestic banking sector, Pan Asia Bank is currently on a highly progressive corporate growth journey. The institution continuously evolves its corporate brand identity, expands its digital presence, and refines its customer experience frameworks to meet modern demands. Recognized proudly among the Top 40 Corporates by Business Today and listed among the Top 100 Companies by LMD, the bank remains completely focused on building a future-ready, purpose-driven, and digitally enabled financial brand.

Stepping into the role of a Credit Officer at Pan Asia Bank means taking on a position of immense responsibility within the branch network. Credit and lending operations serve as the core engine of revenue generation for commercial banks, making your analytical skills highly vital. In this position, you will be stationed at one of their key regional branches in Batticaloa, Colombo, or Vavuniya. This distribution ensures that you will have a massive impact on local businesses, supporting Small and Medium Enterprises (SMEs) that form the backbone of the regional Sri Lankan economy. You will not merely be parsing balance sheets; you will act as a critical risk manager, balancing business development targets with financial safety.

Job Details

As a Credit Officer at Pan Asia Bank, your daily routine will involve an intensive mix of financial evaluation, risk monitoring, customer relationship management, and strict regulatory compliance. You will report through the branch credit management pipeline to ensure portfolio goals are met swiftly.

Your core operational tasks, duties, and responsibilities will include:

1. SME Credit and Target Achievement:

* Gain substantial exposure to handling Small and Medium Enterprise (SME) Credit within your assigned branch facility.

* Work passionately to achieve the specific, pre-determined organizational branch targets regarding financial Advances.

* Manage portfolio quality parameters strictly to minimize Non-Performing Assets (NPAs) and maximize Interest Income from Services (IIS).

2. Loan Evaluation and Proposal Formulation:

* Thoroughly evaluate incoming loan applications, analyzing credit worthiness, repayment capacities, and financial statements.

* Prepare comprehensive, highly detailed credit proposals backed by all necessary supporting attachments and information.

* Submit finalized proposals to the designated approving authority swiftly and efficiently to ensure low turnaround times.

3. Disbursement Supervision and Tariff Compliance:

* Ensure that loan disbursements are executed only upon the absolute completion of all necessary security documentation and legal verification.

* Monitor disbursements that occur in structural stages, verifying that field milestones are met before releasing funds.

* Review facility parameters to guarantee that interest rates and administrative fees are charged accurately as per the official bank tariff.

4. Guarantees and Correspondence Management:

* Oversee the proper issuance of banking guarantees, holding the applicable margins, managing timely renewals, cancellations, and reversals.

* Carry out structured, rigorous follow-ups on expired guarantees to mitigate any pending legal or financial liabilities for the bank.

* Ensure balancing, submit necessary monthly financial statements, and maintain proper, meticulous archives of all official credit correspondence.

5. Site Visits and Watch List Management:

* Carry out regular physical site visits to clients' business locations to verify operational stability and assess collateral conditions.

* Ensure proper, continuous post-credit follow-ups, remaining highly vigilant to react immediately to early warning signs of default.

* Take direct responsibility for managing the branch Watch List and NPA portfolios, including calling and personally visiting overdue clients to arrange recovery solutions.

6. Audits and Physical Verifications:

* Carry out periodic, meticulous physical verifications of pawned articles and other physical assets held under bank custody.

* Maintain exceptional operational standards within the department to ensure a low (excellent) audit rating on credit operations during internal and external reviews.

Requirements and Qualifications

To be considered eligible for this critical risk-management position, candidates must demonstrate a strong baseline of formal banking education, solid practical experience within a licensed commercial bank, and sharp business acumen.

Academic Credentials and Professional Prerequisites:

* Professional Education: Possess a full or part qualification in Banking from the Institute of Bankers of Sri Lanka (IBSL).

* Added Advantage: Holding a formal Diploma in Credit Management from a recognized institutional body will be treated as a highly distinct advantage during selection.

* Working Experience: A minimum of 4 to 5 years of solid working experience preferably within a commercial banking environment is required. Out of this total tenure, you must possess at least 2 to 3 years of direct exposure operating specifically in a dedicated credit role.

Technical Competencies and Deep Hard Skills:

* Credit Knowledge: A deep, functional knowledge of contemporary credit procedures, lending frameworks, security valuations, and central regulatory requirements.

* Market Awareness: A strong, updated knowledge of contemporary industry/market conditions, regional volatility, economic trends, and new financial paradigms within Sri Lanka.

* System Literacy: High proficiency in using computer systems, standard spreadsheets, and core banking software for parsing data and generating credit reports.

Soft Skills and Behavioral Attributes:

* Communication Power: Excellent verbal and written communication skills in order to negotiate with clients and present proposals to corporate boards.

* Analytical Capability: Strong analytical, logical reasoning, and negotiation skills to evaluate business data and secure the bank's financial margins.

* Resilience and Agility: A proven ability to work productively under intense corporate pressure, manage multiple competing tasks simultaneously, and meet strict deadlines.

Job Benefits

Pan Asia Bank prides itself on offering a rewarding workplace designed around the long-term career fulfillment, personal security, and professional satisfaction of its workers.

* Attractive Compensation Architecture: The successful candidates will be provided with an attractive remuneration package designed competitively against banking industry benchmarks.

* Fringe Benefits: The compensation package is comprehensively supplemented with attractive fringe benefits, performance incentives, and healthcare schemes.

* High-Value Resume Branding: Working inside a Top 40 corporate and an LMD Top 100 company elevates your professional profile, opening up massive paths for upward corporate mobility.

* Cultivated Work Culture: Immerse yourself in a professional workspace that values growth, deep collaboration, personal integrity, and operational excellence.

* Continuous Skill Enrichment: Regular exposure to top-tier financial workflows, risk modules, and corporate training programs keeps your professional portfolio sharp and future-ready.

Other Details

Interested candidates are urged to follow the official administrative protocols carefully to ensure their files are captured accurately by human resources:

* Institutional Identity: Pan Asia Banking Corporation PLC.

* Targeted Branch Locations: Batticaloa Branch, Colombo Branch, and Vavuniya Branch.

* Office of Human Resources: Assistant General Manager – Human Resources, Pan Asia Banking Corporation PLC, No. 450, Galle Road, Colombo 03, Sri Lanka.

* Primary Mode of Application: Applications must be routed digitally. Interested candidates are requested to submit their detailed resumes directly through the official career portal of Pan Asia Bank.

* Submission Timeline: Ensure your resume is submitted before the specified closing deadline. Early submissions are highly encouraged as the hiring division screens applications on an ongoing basis.

Working type: full time
Location: Colombo, Batticaloa, Vavuniya, Sri Lanka
Closing Date: 02.07.2026

Only shortlisted candidates will be contacted