National Bank of Pakistan (NBP), known as “The Nation’s Bank,” is one of the largest and leading banks in Pakistan. The bank plays a significant role in the country's socioeconomic development by supporting financial well-being, sustainable growth, and inclusive development through its extensive domestic and international branch network.

As part of its strategy to become a future-ready, agile, and sustainable institution, NBP is seeking talented, dedicated, and experienced professionals for the position of Senior Officer – Credit Operations (OG-II / OG-I).

Eligibility Criteria

Educational Qualification

• Minimum Graduation or equivalent qualification from a local or international university, college, or institute recognized by the Higher Education Commission (HEC) of Pakistan.

Experience

• Minimum 3 years of banking experience.

• At least 1 year of experience in Credit Operations.

Required Skills, Expertise and Knowledge

• Strong knowledge of credit operations, State Bank of Pakistan (SBP) regulations, and regulatory reporting requirements.

• Experience in revolving credit, pledge financing, and commodity-wise exposure segregation.

• Familiarity with credit facilities for private and public sector entities and autonomous bodies.

• Knowledge of Export Finance Schemes, Long-Term Financing Facility (LTFF), and SBP refinance products.

• Understanding of infrastructure and capital project financing.

• Familiarity with Letters of Credit (LCs), Bank Guarantees (BGs), and related trade operations.

• Proficiency in core banking systems, loan modules, and MIS/reporting tools.

• Ability to perform Drawing Power (DP) calculations and monitor credit exposure.

• Strong data management and reconciliation skills.

• Advanced proficiency in MS Excel and analytical tools such as SQL and Power BI.

Key Responsibilities

• Open loan accounts and execute disbursements in the core banking system in accordance with sanctioned advice, DAC approvals, and bank policies.

• Coordinate with Relationship Managers to obtain missing information, corrections, and clarifications before disbursement.

• Maintain accurate and up-to-date credit records in the core banking system.

• Manage daily loan account transactions, including markup billing, instalment recovery, and rebate calculations.

• Monitor post-disbursement activities, including repayment schedules, insurance renewals, collateral revaluations, and document expiries.

• Issue balance confirmation certificates and bank statements under the Operations Manager's ID, and process cheque book requests according to established procedures.

• Prepare and maintain daily, weekly, and monthly MIS reports, operational reports, and daybooks.

• Conduct periodic reconciliations of loan accounts.

• Handle LTFF and ERF processing, SBP-related documentation, and coordinate adjustments with relevant Business Groups.

• Facilitate the issuance and management of LCs and BGs, including claims handling, BG surrender notifications, and coordination with the Centralized Trade Factory.

• Provide operational support for settlements, payoff calculations, and general customer loan services.

• Perform any other duties assigned by the supervisor(s).

Place of Posting

Selected candidates may be posted in any of the following cities:

• Abbottabad

• Bahawalpur

• Faisalabad

• Hyderabad

• Karachi

• Larkana

• Mirpur Khas

• Multan

• Muzaffarabad

• Peshawar

• Sahiwal

• Sukkur

Selection Process

Only shortlisted candidates who strictly meet the prescribed eligibility criteria will be invited to participate in the assessment test and/or panel interview(s).

No travel allowance or daily allowance (TA/DA) will be admissible for the test or interview.

Salary and Benefits

Selected candidates will be offered a compensation package and other benefits in accordance with National Bank of Pakistan's policies and rules.

How to Apply

Interested and eligible candidates are required to apply online through the official recruitment portal of Sidat Hyder:

Application Website: www.sidathyder.com.pk/careers

Applicants must follow the instructions provided on the careers portal and submit their applications.

Important Instructions:

• Applications received after the closing date will not be considered.

• Only candidates meeting the specified eligibility criteria will be considered for shortlisting.

• No TA/DA will be provided for the assessment test or interview.

• The position is offered on a contractual basis for three years, with the possibility of renewal at Management's discretion.

Equal Employment Opportunity

National Bank of Pakistan is an equal opportunity employer and welcomes applications from all qualified individuals, regardless of gender, religion, or disability.

Apply Now: Visit the Sidat Hyder Careers Portal and submit your online application within the prescribed deadline.