HBL Bank Jobs In Faisalabad

Manager Credit Admin Islamic Banking - Faisalabad Region - (200001OR)
Description

JOB PURPOSE

To assist Regional Team Leader Credit Admin - Islamic Banking in the overall functioning of credit administration within the region.

Description

Credit Documentation

• To ensure completion of all credit documents/transactional documents consistent with approved shariah process flow & safe custody before admitting of credit facilities to guard bank’s risk.
• To timely highlight the exceptions/ deficiencies within the finance documents, escalation to administration, follow-up, and its ratification.

Policies & Procedures

To ensure implementation of CAD functions as per the Credit Policy/Procedural Manual, Prudential Regulations, sharia compliance, and guidelines provided in the CAD Process Manual.

Vendor Management

• To handle all functions associated with assignment and completion of legal (Initial Legal Advice, Post Mortgage Opinion, / Legal review, perfection & completion of mortgage formalities etc.), valuation, much damage, 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

Review

To ensure periodical review of collaterals held with CAD i.e. re-valuation as per defined frequency, legal reviews/reconciliation of documentation, physical verification of stocks, etc.

Audit & Compliance

To assist Team Leader in achieving and maintaining acceptable Audit Rating in internal/external/regulatory audits and ensure implementation of audit recommendations to avoid recurrence.

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 rearrange /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 macadam affairs, periodical DP monitoring, DO issuance & timely reporting of shortfall/forced lifting cases.

MIS

• To ensure timely and error-free reporting of MIS/CAD updates / Delinquencies, regulatory/in-house reports, etc. to relevant stakeholders through Team Leader Credit Admin – Islamic Banking.
• To maintain MIS for all stages of the transaction.
• To ensure accuracy in limit feeding/collateral maintenance / collateral evaluation in accordance with approved CP after completion of required formalities
• To ensure the 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.

Record Keeping

• Safe custody, maintenance and archival of all kinds 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.

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