JOB PURPOSE

To assist Regional Head CAD in overall functioning of credit administration in the region.

To ensure prompt availability of finance/security documents, its reconciliation with GL, its preparation, registration with concerned authorities and assist Regional Head CAD in completion/perfection of securities before line release. Thorough review of Offer letter in accordance with the terms and conditions of approval.

To timely highlight the exceptions/ deficiencies in the finance documents, escalation to line management, follow-up and its ratification. Document Management

To ensure thorough pre and post CP vetting and preparation / implementation of document index/checklist within agreed TAT.

Daily review of transactions and sign-off on ATs/ OTs, referral card, deal tickets in accordance with procedural guidelines with no exceptions. Vendor Management

To handle all functions related to assignment and completion of legal (Initial Legal Advice, Post Mortgage Opinion, / Legal review, perfection & completion of mortgage formalities etc.), valuation, mucaddamage, stock inspection, surveyors etc. with close liaison within agreed time frame/ problem resolution etc.

To conduct joint visits with Business for physically verifying the property, documenting their observations and performing a sanity check on valuation Stock Evaluation / Stock Inspection / Insurance

Periodical evaluations of stock reports (Hypo & Pledge) and Insurance Policies in terms of procedural guidelines, its DP adjustment, follow-up management and reporting of exceptions in CAD Monthly updates. To arrange /conduct / monitor periodical hypo & pledge stock inspections through in-house / outsource, its review, follow-up management and reporting of exceptions in CAD Monthly updates. Complete pledge management including handling of muccadam affairs, periodical DP monitoring, DO issuance & timely reporting of shortfall/forced lifting cases. Record Keeping

Safe custody, maintenance and archival of all types of collaterals and its release after proper due diligence.

To ensure maintenance / updation of credit files and retention of documents as per laid down procedures. Processing Charges

To ensure 100% recovery of all type of charges e.g. limit processing, renewal, redemption etc. as approved n CP/ SOBC and there should be no leakages of income. MIS

To ensure accuracy in limit feeding / collateral maintenance / collateral evaluation (shares, PIB, FC deposits etc.) in accordance with approved CP after completion of required formalities

To ensure accuracy of demographic information (e.g. borrowers’ profile, directors’/partners’ information / SIC / SME Tagging / ORR / Group information etc.) of borrowers in Misys to facilitate in house / SBP ECIB reporting.

To prepare timely and error free reporting of MIS/CAD updates / Delinquencies, regulatory / in-house reports etc. to relevant stakeholders through Regional Head CAD

 `Minimum qualifications:

• Bachelor’s Degree

Minimum experience:

• Fresh / 1 year of related experience

Primary Location

: PK-SD-Karachi

Work Locations

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