Department: Aitemaad Islamic Banking
Location: Karachi, Multan
Employment Type: Contract (3 Years, renewable based on management discretion)

About National Bank of Pakistan

Known as “The Nation’s Bank,” National Bank of Pakistan is committed to supporting the financial well-being of the nation while promoting sustainable growth and inclusive development through its extensive local and international branch network. As one of Pakistan’s largest and leading banks, NBP continues to play a vital role in the country’s socioeconomic progress with a vision to become a future-ready, agile, and sustainable institution.

In line with its strategic objectives, NBP is seeking talented, dedicated, and experienced professionals for the following position in Aitemaad Islamic Banking.

Position Details

Job Title: Credit Operations Officer (OG-II / OG-I)
Reports To: Branch Operations Manager
Number of Positions: 01

Educational / Professional Qualification

• Minimum Graduation or equivalent from a local or international university, college, or institute recognized by HEC Pakistan
• Candidates holding a Master’s degree, Islamic Banking certification, diploma, or relevant qualification will be preferred

Experience

• Minimum 3 years of banking experience
• At least 1 year of experience in credit, advances, or retail banking

Required Skills / Expertise

• Strong people management skills
• Knowledge of banking products, policies, and procedures
• Excellent verbal and written communication skills
• Proficiency in MS Office and database systems
• Sound understanding of Islamic Banking
• Strong selling and interpersonal skills
• Ability to manage multiple tasks, prioritize effectively, and meet targets

Key Responsibilities

• Ensure accounting entries related to disbursement and transaction adjustments are processed according to approved terms and procedures
• Execute accruals, repricing, profit calculations, rental realization, monitoring, and correspondence related to advances and corporate Sukuk at branch level
• Ensure all disbursements remain within approved limits
• Maintain posting of all entries in ALMANAC (LMS) and PD Teller while balancing all advances and investments in physical registers
• Coordinate with customers and stakeholders (RM / CAD) regarding due payments, recoveries, aging, profit, rentals, and Takaful / insurance matters
• Safeguard financing and security documents, including original insurance policies, during interim custody
• Execute entries related to advances and investments as advised by Pool Management Division (AIBG)
• Ensure error-free balancing and reconciliation of all credit activities
• Support internal and external auditors during audits and provide required reports
• Prepare monthly, quarterly, and annual statements related to advances and investments, including ECIB and F-256 reports
• Maintain confidentiality and transparency in handling credit portfolios
• Resolve customer queries and ensure service standards are met
• Maintain shadow credit files and comprehensive documentation for internal, external, financial, management, Shariah, and SBP audits
• Ensure compliance with banking laws, regulations, SOPs, and Shariah requirements
• Prepare monthly GL certificates and obtain approvals from RMs
• Address audit observations and implement corrective measures with relevant stakeholders
• Ensure all processes are completed within the required turnaround time (TAT)
• Perform any additional tasks assigned by supervisors

Selection Process

Only shortlisted candidates who strictly meet the eligibility criteria will be invited for assessment tests and/or panel interviews.

Compensation & Benefits

Selected candidates will be offered a competitive compensation package and benefits as per bank policy and rules.

Important Notes

• Applications received after the deadline will not be considered
• No TA/DA will be provided for tests or interviews
• National Bank of Pakistan is an equal opportunity employer and encourages applications from all qualified individuals, regardless of gender, religion, or disability