Key Highlights & Job Overview

Detailed Analysis of Open Positions

Position 01: Senior Officer – Credit Operations (OG – I)

• Reporting Line: Wing Head – Centralized Loan Account Processing
• Place of Posting: Faisalabad, Hyderabad, Karachi, Lahore, Multan, & Sialkot

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

• Minimum of 04 years of banking experience, with at least 02 years specifically in Credit Operations.

• In-depth understanding of credit operations, SBP regulatory frameworks, and compliance reporting requirements.
• Practical experience handling revolving credit, pledge financing, and commodity exposure segregation.
• Technical familiarity with credit facility structures for public/private sector entities and autonomous bodies.
• Expertise in special SBP refinance products, including Export Finance Schemes (EFS) and Long Term Financing Facilities (LTFF).
• Strong command over infrastructure and capital project financing mechanics.
• Comprehensive understanding of Letters of Credit (LCs), Bank Guarantees (BGs), and associated trade operations.
• Advanced proficiency in Core Banking Systems (CBS), loan modules, and Management Information System (MIS) tools.
• Practical ability to perform Drawing Power (DP) calculations and monitor credit exposure limits.
• Strong skills in data management, automated reconciliation, and advanced data analytical tools (including MS Excel, SQL, and Power BI).

• Account Setup & Disbursement: Open loan accounts and execute fund disbursements within the core banking system in strict compliance with sanctioned advices, Documentation Advisory Committee (DAC) approvals, and bank policies.
• Coordination & Records: Interface with Relationship Managers (RMs) to resolve missing details or obtain required clarifications prior to disbursement; maintain accurate and up-to-date credit files in the system.
• Transaction Management: Handle daily account activity, mark-up calculations, installment recoveries, rebate computations, and billing operations.
• Post-Disbursement Monitoring: Track repayment schedules, monitor insurance policy renewals, ensure periodic collateral revaluations, and track document expiry dates.
• Certificates & Trade Ops: Process requests for balance confirmation certificates, issue bank statements under the Operations Manager ID, process checkbook requests, and facilitate LC/BG issuance, claims, and surrender procedures with the Centralized Trade Factory.
• Reporting & Reconciliation: Generate daily, weekly, and monthly MIS operational reports, maintain daybooks, perform credit account reconciliations, and report DP updates to CAD for Limit Plan adjustments.
• Refinance & Payment Processing: Handle LTFF/ERF adjustments, liaise with relevant Business Groups, and process operational payments for external service providers (e.g., Muccadams, legal advisors, property evaluators).
• Customer Support: Provide settlement calculations, payoff figures, and general administrative support to commercial clients.

Position 02: Coordinator to Divisional Head (OG – II / OG – I)

• Reporting Line: Divisional Head – CBA Credit Upgrade
• Place of Posting: Karachi

• Minimum Graduation or equivalent qualification from an HEC-recognized local or foreign university/institute.

• Minimum of 03 years of experience performing Administrative and/or Secretarial responsibilities.
• Candidates possessing direct hands-on experience in MIS reporting and data management will be given preference.

• Baseline functional understanding of Database Management Systems (DBMS) such as SQL.
• Familiarity with analytical and programming environments (e.g., MS Excel, Python, or R).
• Hands-on exposure to modern visual data presentation tools (Tableau, Power BI, or similar tools).
• Good grasp of basic data structuring, administrative modeling, and workflow automation.
• High-level written and verbal interpersonal and executive communication skills.

• Executive Administration: Manage executive schedules, calendar coordination, high-level meeting organization, and communications for Senior Management.
• Documentation & MIS: Prepare, edit, and review complex reports, presentation decks, official correspondence, and executive memoranda.
• Data & Dashboard Maintenance: Maintain organized filing architecture, issue tracking systems, executive dashboards, and centralized MIS data pipelines.
• Process Automation: Streamline administrative and periodic reporting structures utilizing advanced functionalities within MS Excel and dedicated software.
• Reporting: Compile daily, weekly, and monthly analytical MIS reports for strategic decision-making.

General Terms, Conditions, and Guidelines

• Employment Framework: Appointments are offered purely on a 3-year contractual basis, which may be extended or renewed depending on candidate performance and the ongoing requirements/discretion of Bank Management.
• Remuneration: Selected candidates will receive a competitive compensation package alongside performance-related benefits structured according to NBP policies and rules.
• Inclusivity: National Bank of Pakistan is an equal-opportunity employer. Qualified individuals are encouraged to apply regardless of gender, religion, or physical disability.
• Shortlisting Procedure: Only candidates strictly fulfilling the eligibility criteria regarding education, years of experience, and skill sets will be contacted for subsequent assessment tests and/or panel interviews.
• Travel Rules: No Travel Allowance or Daily Allowance (TA/DA) will be admissible for candidates appearing in written tests or oral interviews.

Step-by-Step Application Process

1. Visit the Official Recruitment Portal: Access the Sidat Hyder Morshed Associates recruitment portal at www.sidathyder.com.pk/careers.
2. Select Job Title: Locate the specific role under the NBP recruitment tab (e.g., Senior Officer – Credit Operations or Coordinator to Divisional Head).
3. Fill out the Application: Complete all mandatory fields regarding personal details, educational qualifications, HEC degree equivalency details (if applicable), and detailed chronological work experience.
4. Submit Documents: Upload updated resumes, certificates, and relevant experience documents as instructed on the portal.
5. Timeline: Submit the online application within 10 working days from the publication date of the official advertisement. Applications submitted past the deadline or through offline channels (postal mail/in-person) will not be entertained.