Job Details

• Division: Aitemaad Islamic Banking

• Position Title: Credit Operations Manager (OG-I)

• Number of Positions: 01

• Reporting To: Branch Operations Manager

• Employment Type: Contractual

• Contract Duration: Three years, renewable at the discretion of Management

The National Bank of Pakistan (NBP), known as “The Nation’s Bank,” aims to support the financial well-being of the nation while enabling sustainable growth and inclusive development through its extensive local and international branch network.

As one of Pakistan’s leading banks, NBP contributes significantly to the country’s socioeconomic development. The Bank is committed to transforming into a future-fit, agile, and sustainable institution.

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

Eligibility Criteria

Educational Qualification

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

• Candidates holding a Master’s degree, Islamic Banking certification, degree, or diploma will be preferred.

Required Experience

• Minimum 4 years of banking experience.

• At least 1 year of experience in Credit, Advances, and/or Retail Banking.

Required Skills and Competencies

• Strong people management skills.

• Knowledge of banking products, policies, and procedures.

• Excellent verbal and written communication skills.

• Proficiency in MS Office and databases.

• Sound knowledge of Islamic Banking.

• Selling skills and strong interpersonal abilities.

• Ability to manage multiple tasks, prioritize work, and meet targets.

Key Duties and Responsibilities

The selected candidate will be responsible for the following duties:

1. Ensure that all accounting entries relating to the disbursement and adjustment of transactions are processed according to approved terms, facility offer letters, credit memos, minutes, Disbursement Authorization Certificates (DACs), approved process flows, and prescribed formats.

2. Execute accruals, repricing, profit calculations, rental realization, monitoring, correspondence, and other activities relating to advances and corporate Sukuk maintained at the branch, as advised by the Relationship Manager (RM).

3. Ensure that all advances and investment disbursements remain within approved limits.

4. Post all relevant entries in ALMANAC (LMS) and PD Teller, maintain balancing of advances and investments, including Istisna, Tijarat, Salam, and Murabaha facilities, and maintain related subsidiary ledgers and physical registers, subject to RM counter-checking.

5. Coordinate with customers and relevant stakeholders, including the Relationship Manager and Credit Administration Division (CAD), regarding upcoming and overdue payments, aging, recovery of finance, profit and rental payments, and Takaful or insurance policies related to advances and investments maintained at the branch.

6. Maintain financing and security documents, including original insurance policies, during the interim period between disbursement and their handover to CAD.

7. Process entries relating to advances and investments as advised by the Pool Management Division of Aitemaad Islamic Banking Group (AIBG).

8. Ensure accuracy, proper balancing, reconciliation, and error-free execution of all credit-related activities.

9. Assist internal and external auditors during branch audits, coordinate rectification activities, and provide reports concerning the advances and investment portfolio in liaison with the Relationship Manager, Unit Head, and CAD Officer.

10. Prepare monthly, quarterly, and annual statements relating to advances and investments maintained at the branch, including ECIB and F-256 statements.

11. Maintain confidentiality and transparency in the management and handling of the credit portfolio.

12. Address customer queries and issues and ensure that branch customer service meets the required standards.

13. Maintain shadow credit files and supporting documentation, ensuring comprehensive records for internal and external financial, management, Shariah, State Bank of Pakistan (SBP), and other audits. Documents should also be maintained in scanned form in coordination with RM and CAD.

14. Ensure compliance with applicable banking laws, regulations, banking instructions, Standard Operating Procedures (SOPs), and Shariah compliance requirements relating to credit operations.

15. Prepare monthly General Ledger (GL) certificates and obtain the required signatures from Relationship Managers.

16. Ensure that internal and external audit requirements and observations are addressed, and implement corrective measures to prevent recurrence in coordination with the relevant RM and CAD.

17. Ensure all processes are completed within the specified Turnaround Time (TAT).

18. Perform any other duties assigned by the supervisor or supervisors.

Assessment Test and Interview

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

Employment Terms and Benefits

• The appointment will be on a three-year contractual basis.

• The contract may be renewed at the discretion of Management.

• The selected candidate will receive a compensation package and other benefits in accordance with the Bank’s applicable policies and rules.

How to Apply

Interested and eligible candidates should apply online through the recruitment portal specified in the original advertisement.

• Application Deadline: Within 10 working days from the date of publication of the advertisement.

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

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

Equal Opportunity Employer

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

Note: Applicants should carefully review the official advertisement and ensure they meet all eligibility requirements before applying.