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.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 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.
Qualifications
- Minimum Qualifications: Bachelor’s Degree
- Minimum experience:8 years of related experience
- Primary Location: PK-PB-Faisalabad
- Work Locations: 7006-Regional Headquarter Faisalabad RHQ -D- Ground Peoples Colony FaisalabadFunction: Risk Management
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