Officer – Credit Administration | Karachi – Full Time

NCGCL; Karachi Division; In loco; PKR 781.200 - 1.116.000; Tempo pieno

Descrizione del lavoro

NCGCL is seeking an Officer for Credit Administration based in Karachi. The role focuses on managing compliance, documentation, and operational aspects of credit facilities, ensuring alignment with organizational policies and regulatory requirements.

The ideal candidate should hold a Bachelor's or Master's degree in related fields and have a minimum of 3–5 years experience in Credit Administration or Corporate Banking Operations. Strong analytical and communication skills are essential, alongside proficiency in Microsoft Office applications.

Competenze

• Minimum 3–5 years of relevant experience in Credit Administration, Corporate Banking Operations, or Credit Operations within a bank or financial institution.
• Ability to prepare and verify credit documentation.
• Demonstrated strong knowledge of compliance and risk management.

Mansioni

• Ensure compliance with credit policies and regulatory requirements.
• Prepare and verify credit documentation and legal documents.
• Monitor expiry of agreements and credit-related covenants.
• Prepare reports related to credit administration and compliance.

Conoscenze

Analytical skills

Communication skills

Knowledge of SBP/SECP regulations

Integrity and professional ethics

Risk assessment skills

Formazione

Bachelor’s or Master’s degree in Law, Finance, Accounting, Business Administration, or a related field

Strumenti

Microsoft Office

Descrizione del lavoro

An Officer, Credit Administration is responsible for managing and monitoring the operational, documentation, and compliance aspects of credit facilities to ensure that all financing transactions are processed in accordance with organizational policies, regulatory requirements, and approved terms and conditions

Key Responsibilities

• Ensure compliance with internal credit policies, regulatory requirements, and applicable guidelines related to credit administration, documentation, and disbursement processes.
• Prepare and verify credit documentation, including finance agreements, security documents, guarantees, and related legal documents.
• Ensure proper execution and safe custody of security and legal documents before disbursement of facilities.
• Coordinate with legal counsel, relationship managers, and borrowers for completion of documentation formalities.
• Process disbursement, rollover, renewal, and adjustment of financing facilities in the core system.
• Monitor expiry of agreements, collateral documents, guarantees, limits, and other credit-related covenants.
• Prepare reports related to credit administration, documentation deficiencies, excesses, and regulatory compliance.
• Ensure timely completion of post-disbursement documentation and perfection of securities.
• Attention to detail and strong documentation review capabilities.
• The ideal candidate should be technologically proficient and well versed in the use of digital platforms, IT applications, Microsoft Office tools, and other system-based solutions

Eligibility Criteria

Education

• Bachelor’s or Master’s degree in Law, Finance, Accounting, Business Administration, or a related field

Experience

• Minimum 3–5 years of relevant experience in Credit Administration, Corporate Banking Operations, or Credit Operations within a bank or financial institution

Core Competencies

• Strong knowledge of SBP/SECP regulations and risk management
• Excellent analytical, communication, and reporting skills
• High level of integrity and professional ethics.
• Ability to assess risks and develop practical solutions.

Reporting Line

Reports to: Head of Credit Administration