The National Bank of Pakistan NBP Karachi, the nation’s premier financial institution, is hiring for CAD Officer – Documentation (OG-III/OG-II) roles in Risk Management. These positions are critical for maintaining credit administration standards across branches in Mirpur Khas and Multan. Ideal candidates will have 3+ years of banking experience, with expertise in credit documentation and collateral monitoring.
Position Overview & Key Details
| Job Title | CAD Officer – Documentation (OG-III/OG-II) |
| Reporting To | Regional Executive – Credit Administration Division |
| Employment Type | 3-year contractual (renewable) |
| Locations | Mirpur Khas, Multan |
| Application Deadline | 10 working days from ad publication |
Eligibility Criteria
Education & Certification
- Minimum: Graduation (HEC-recognized)
- Preferred: Master’s degree or professional certifications
Experience & Skills
- 3 years total banking experience, including 2 years in credit administration/operations
- Proficiency in MS Office, legal documentation, and risk reporting
Age & Nationality
- Not explicitly stated, but typically 25–40 years for such roles
- Open to all Pakistani nationals
Job Responsibilities
- Verify Sanction Advice/FOL compliance with Bank policies.
- Prepare standard/non-standard documentation (e.g., IBs, DACs).
- Coordinate with Bank’s Legal Advisors (BLAs) for collateral perfection.
- Manage security documents, insurance validations, and registers.
Compensation & Benefits
- Competitive salary (OG-III/OG-II scale)
- Contractual benefits as per Bank policy
- Potential renewal based on performance
How to Apply
- Online Submission: Apply via Sidat Hyder’s portal.
- Deadline: 10 working days from ad publication.
- No TA/DA for interviews.
Selection Process
- Shortlisting: Only candidates meeting all criteria will be contacted.
- Assessment: Tests and/or panel interviews.
Why Join NBP Karachi?
- Impact: Contribute to Pakistan’s financial ecosystem.
- Growth: Professional development in risk management.
- Inclusivity: Equal opportunity employer.
Career Growth & Professional Development
- Skill Enhancement: Selected officers will receive specialized training in credit risk management and banking regulations
- Promotion Pathway: Performance-based opportunities to advance to OG-IV and managerial positions
- Certification Support: Bank-sponsored professional certifications in risk management
Working at NBP Karachi offers structured career progression in Pakistan’s banking sector. Employees gain exposure to corporate banking operations while developing expertise in credit documentation and risk assessment.
Official Job Announcement
Salary Package & Employee Benefits
Compensation Structure:
- Competitive OG-II/OG-III scale salary (estimated Rs. 80,000-120,000)
- Annual performance bonuses
- Medical coverage for employee and dependents
Additional Perks:
- Provident fund contributions
- Paid leaves as per bank policy
- Loan facilities at concessional rates
- Professional development allowances
Application Process – Step by Step Guide
Document Preparation:
- CNIC
- Educational certificates
- Experience letters
- Professional certifications
Online Submission:
- Visit Sidat Hyder portal
- Complete the application form accurately
- Upload required documents
- Submit before deadline
Why Choose NBP Karachi for Your Banking Career?
NBP Karachi stands out as Pakistan’s most stable and reputable banking institution. As a state-owned bank, it offers unmatched job security compared to private sector banks. Employees benefit from:
- Work-Life Balance: Standard banking hours with minimal overtime
- National Network: Opportunities for transfers across Pakistan
- Prestige: Association with the country’s largest financial institution
The Credit Administration role specifically provides:
- Specialized experience valued across banking sector
- Direct contribution to financial system stability
- Exposure to corporate and SME banking segments
Important Considerations Before Applying
Location Factors:
- Successful candidates must be willing to relocate to Mirpur Khas or Multan
- Housing allowances may be available for transferred employees
Contractual Terms:
- Initial 3-year contract with possible renewal
- Performance reviews every 6 months
- Strict adherence to banking regulations required
Professional Expectations:
- High ethical standards mandatory
- Willingness to work under tight deadlines
- Adaptability to changing financial regulations
Essential Skills for Success in This Role
Technical Banking Knowledge:
- Advanced understanding of credit documentation
- Familiarity with SECP registration processes
- Expertise in collateral management systems
Soft Skills Required:
- Meticulous attention to detail
- Strong analytical capabilities
- Excellent communication for interdepartmental coordination
The Selection Process Explained
- Phase 1: Initial screening of applications (10-15 days post-deadline)
- Phase 2: Written test covering banking knowledge and case studies
- Phase 3: Panel interview with Risk Management executives
- Phase 4: Final selection and offer letters (within 4-6 weeks)
Candidates should prepare for scenario-based questions about credit risk assessment during interviews. Previous applicants recommend studying NBP Karachi credit policies beforehand.
Career Pathways After This Position
Vertical Growth:
- Senior Credit Officer (OG-IV)
- Regional Credit Manager
- Head of Credit Administration
Lateral Moves:
- Transition to Corporate Banking
- Move to Risk Analysis Division
- Shift to Branch Operations Management
Resources for Applicant Preparation
Recommended Study Materials:
- NBP Karachi Credit Policy Manual (2023 edition)
- Banking Ordinance 1962 (Sections 25-29)
- SECP’s lien registration guidelines
Practice Areas:
- Sample credit documentation cases
- Mock disbursement authorization exercises
- Risk assessment simulations
Day-to-Day Work Life as a CAD Officer
Typical Daily Tasks:
- Morning review of pending documentation cases
- Coordination with legal advisors on collateral perfection
- Afternoon verification of disbursement requests
- End-of-day register updates
Work Environment:
You’ll work in a professional banking setting with regular interactions with:
- Credit analysis teams
- Branch operations staff
- External legal consultants
Common Mistakes to Avoid in Your Application
Documentation Errors:
- Incomplete degree attestations
- Missing experience certificates
- Unreadable scanned documents
Application Pitfalls:
- Last-minute submissions
- Generic cover letters
- Not addressing position-specific requirements
- Overlooking the online portal instructions
Employee Testimonials & Success Stories
“After joining NBP Karachi as CAD Officer, I gained specialized expertise that led to my promotion within 2 years.” – Ahmed R., OG-IV Credit Manager
Career Milestones Achieved by Previous Hires:
- 65% promoted within contract period
- 30% selected for international banking courses
- Several now heading regional credit divisions
Future of Credit Documentation in Digital Banking
Emerging Trends:
- Blockchain-based collateral tracking
- AI-assisted document verification
- Automated lien registration systems
How NBP Karachi is Adapting:
- Gradual digitization of legacy processes
- Staff training on new fintech solutions
- Phased implementation of paperless systems
Health & Wellness Benefits for NBP Karachi Employees
Comprehensive Healthcare:
- Full medical coverage at approved hospitals
- Annual health screenings
- Mental health counseling services
Work-Life Balance Initiatives:
- Flexible leave policies
- On-site fitness facilities at major offices
- Stress management workshops
- Banking-hour schedules (rare overtime)
Contact Information
- Phone: Contact NBP HR at 021-99220132-35 (Karachi Office Hours: 9 AM – 5 PM)
- Portal: Apply online via Sidat Hyder Careers
- Address: National Bank of Pakistan HQ, I.I. Chundrigar Road, Karachi
Conclusion
The NBP Karachi Credit Administration Officer (OG-II/OG-III) position offers a rewarding career path in Pakistan’s leading banking institution. With structured training, competitive benefits, and opportunities for advancement, this role is ideal for banking professionals seeking stability and growth.
Don’t miss this chance to join NBP’s Risk Management team. Submit your application within 10 working days of the advertisement date, ensuring all documents are complete. Late submissions will not be considered.
FAQs
Can candidates from other cities apply?
Yes, but selected candidates must relocate to Mirpur Khas or Multan.
Is the written test MCQs-based or descriptive?
It includes both (MCQs on banking concepts + case studies).
What’s the probation period?
6 months for contractual positions, with performance reviews.
Are there quotas for minority applicants?
NBP follows government quotas for minorities, women, and disabled persons.
