Credit Administration Officer - (1900003H)
Description
JOB PURPOSE
To assist Regional Head CAD in overall functioning of credit administration in the region.
Description
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Documentation Perfection
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.
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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.
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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
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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.
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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.
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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.
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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
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Qualifications
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Minimum qualifications:
- Bachelor’s Degree
Minimum experience:
- Fresh / 1 year of related experience
Primary Location
: Pakistan
Function: Risk Management
jobs in HBL Bank credit administration offic
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