Senior Officer - Credit Operations (OG-II / OG-I)

About the role

National Bank of Pakistan (NBP) is seeking a Senior Officer in Credit Operations to work in the Operations area and report to the Wing Head - Credit Business. The role involves processing and managing credit operations, ensuring compliance with sanctioned advice, DAC approvals and Bank policies, maintaining accurate credit records in the core banking system, and providing operational support for customer loan services. Employment is on a contractual basis for three years, renewable at management discretion. Selected candidates will be offered a compensation package and benefits as per the Bank's policy.

Posts and vacancies

• Position / Job Title: Senior Officer - Credit Operations (OG-II / OG-I)

• Number of positions: 1

• Place(s) of posting: Abbottabad, Bahawalpur, Faisalabad, Hyderabad, Karachi, Larkana, Mirpur Khas, Multan, Muzaffarabad, Peshawar, Sahiwal, Sukkur

Eligibility

• Minimum graduation or equivalent from a local or international university/college recognized by the HEC of Pakistan.

• Minimum 3 years of banking experience, of which at least 1 year must be in Credit Operations.

• Strong knowledge of credit operations, SBP regulations, and regulatory reporting requirements.

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

• Background in credit facilities for private and public sector entities and autonomous bodies.

• Well-versed in Export Finance Schemes and refinance products; understanding of infrastructure and capital project financing.

• Familiarity with letters of credit (LCs) and 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 exposure monitoring.

• Strong data management and reconciliation skills with advanced MS Excel and analytical tools including Power BI.

How to apply

Interested candidates should apply online via the careers portal provided by the Bank's recruiting consultant: www.sidathyder.com.pk/careers Apply online within 10 working days from the date of publication of this advertisement. Applications received after the due date will not be considered. Only shortlisted candidates who strictly meet the basic eligibility criteria will be invited for a test and/or panel interview. No TA/DA will be admissible for test/interview.

Important dates

• Publication date: 2026-10-11

• Application deadline (within 10 working days): 2026-10-23

Outline of main duties / 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 for missing information, corrections, or clarifications before disbursement and maintain up-to-date and accurate credit records.

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

• Monitor post-disbursement activities such as repayment schedules, insurance renewals, collateral revaluation, and document expiries.

• Issue balance confirmation certificates, provide bank statements under the Ops Manager's ID, and process cheque book requests as per procedure.

• Generate and maintain daily, weekly, and monthly MIS, operational reports, and daybooks; conduct periodic reconciliations of loan accounts.

• Handle LTFF/ERF processing, SBP-related documentation, and coordinate adjustments with relevant business groups.

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

• Provide operational support for settlements, payoff calculations, and general customer loan service, and perform other assignments as directed by supervisors.