National Bank of Pakistan NBP Job Vacancies
National Bank of Pakistan NBP Job Vacancies is hiring a CAD Officer (OG-I/OG-II) for its Risk Management team. 3 years’ banking experience required. Apply online now
National Bank of Pakistan (NBP), The Nation’s Bank, is inviting applications from talented, dedicated, and experienced professionals for the position of CAD Officer – SME / Commercial (OG-II / OG-I). This important role in the Risk Management division is based, offering a chance to contribute to the nation’s largest bank while working in a key regional hub.
Role Overview: The Backbone of Credit Risk Management
The Credit Administration Department (CAD) is the operational backbone of a bank’s lending activities. A CAD Officer plays a crucial role in ensuring that all credit documentation, collateral, and legal formalities are perfectly in order before any loan is disbursed. This function is vital for mitigating risk and safeguarding the bank’s assets. This role specifically focuses on the SME (Small and Medium Enterprises) and Commercial lending portfolios.
Current Market Demand for Credit Professionals
In the banking sector, there is always a strong demand for professionals with expertise in credit administration and operations. Banks are looking for individuals with a keen eye for detail, a thorough understanding of legal and regulatory requirements, and the ability to manage complex documentation processes. This OG-I/OG-II level position is an excellent opportunity for a mid-career banking professional.
Position Details: CAD Officer – SME / Commercial (OG-II / OG-I)
This is an officer-grade role with specific experience and skill requirements.
- Location: Bannu
- Reporting to: Manager SME / Commercial
- Qualification:
- Minimum of a Graduation or equivalent from an HEC-recognized institution.
- Preference will be given to candidates with a Master’s degree or other relevant professional certifications.
- Experience:
- Minimum 3 years of banking experience.
- Out of which, a minimum of 2 years must be in credit administration and/or credit operations.
- Employment Type: Contractual, initially for three years (renewable at the discretion of management).
Required Skills & Expertise
- Technical Knowledge: Sound knowledge of Credit Documentation, Pledge Operations, and Corporate/SME credit portfolios.
- Risk Management: Exposure to collateral and risk monitoring/reporting .
- Team & Communication Skills: Good team management, interpersonal, and communication skills.
- IT Proficiency: Proficient in MS Office.
Outline of Main Duties & Responsibilities
The CAD Officer will be a key part of the credit process, responsible for:
- Scrutinizing loan sanction advice and approvals.
- Preparing standard and non-standard loan documentation.
- Coordinating with the bank’s legal advisors (BLA) for charge registration with SECP and perfection of collateral.
- Preparing Documentation Checklists (DCL) and Disbursement Authorization Certificates (DAC).
- Handling and maintaining all security and finance documents in safe custody.
- Ensuring all insurance arrangements for collateral are valid and in order.
How to Apply: The Sidat Hyder Online Application Process
The application process is managed through the recruitment consultant, Sidat Hyder Morshed Associates.
- Visit the Careers Portal: Go to the application website: www.sidathyder.com.pk/careers.
- Find the NBP Vacancy: Locate the advertisement for the “CAD Officer (OG-II / OG-I) – Bannu” at National Bank of Pakistan.
- Apply Online: Fill out the online application form with your detailed information as per the given instructions.
- Deadline: You must apply online within 10 working days from the date of publication of this advertisement.
Note: Only shortlisted candidates who strictly meet the eligibility criteria will be invited for a test and/or panel interview. No TA/DA is admissible.
A Banking Recruitment Expert’s Insight
For a CAD role, precision is everything. Your CV must clearly detail your 2 years of experience in credit administration. Use specific terms like ‘preparation of DCLs/DACs,’ ‘perfection of charge,’ and ‘scrutiny of sanction advice.’ This shows the recruiter that you speak their language and understand the core functions of the job.
Expert Tips for a Successful Application
- Highlight Your 2 Years in CAD: This is the most critical experience requirement. Your CV should have a clear and detailed section on your credit administration/operations roles.
- Showcase SME/Commercial Exposure: Any specific experience dealing with SME or Commercial credit files will be a major advantage. Mention this explicitly.
- Attention to Detail: The role itself requires a keen eye for detail. Ensure your CV is perfectly formatted and free of any spelling or grammatical errors.
- Prepare for a Technical Test/Interview: Be prepared to answer specific questions about documentation, SBP regulations, and the loan lifecycle during the assessment process.
This is an excellent opportunity for a banking professional to grow their career with Pakistan’s national bank. Ensure your application is submitted promptly through the Sidat Hyder portal.
