Credit Administration Analyst

Report to: Head of Risk & Compliance
Location: Islamabad
Application deadline for the position is July 21, 2019

About Us:

Guided by Karandaaz vision, we believe that every Pakistani deserves to be Financially Included and Economically Empowered. Our Mission at Karandaaz is to Foster economic growth and create jobs through financial inclusion of unbanked individuals and unserved enterprises.

Karandaaz Pakistan is a Non-profit organization, based out of Islamabad, registered with the Securities and Exchange Commission of Pakistan under Section 42 of the Companies Act 2017. We are supported by Department for International Development (DFID) and Bill and Melinda Gates Foundation (BMGF). Karandaaz is governed by an eminent board who set the strategy of the organization and steer it towards achievement of its objectives

Position Summary:

The Credit Administration Analyst is responsible for ensuring that Karandaaz’s credit and equity portfolio complies with all relevant laws, rules, regulations, contractual obligations, internal policies, and procedures.

Key Duties and Responsibilities:

The incumbent would ensure that all commercial documentation is in compliance with relevant Committee and Board approvals, as well as all statutory laws, and regulations. The Credit Administration Analyst will also consolidate and maintain database of all credit, and equity exposures, assisting the Chief Risk Officer in data analytics pertaining to credit and equity portfolio of Karandaaz.  The Credit Administration Analyst may also assist in monitoring of loan and investment quality, providing assistance in management and resolution of special credits.

The core functions and responsibilities include the following:

  • Preparation and review of precise and concise loan & investment agreements (ranging from new facilities, amendments to annual renewals) in line with Karandaaz’s credit and investment decisions and policies.
  • To improve the credit & investment administration procedure and process from time to time.
  • To monitor, review, and assist in preparation of all legal documents in connection with credit and investment extension
  • To ensure compliance of credit & investment proposals and disbursements with relevant Committee & Board decisions as well as any other regulations
  • To maintain and update a database of all credit & investment exposures covering all necessary portfolio health metrics
  • To ensure necessary security coverage for various exposures and ensuring that their documentation is in place
  • To coordinate with legal advisors for registration or de-registration of charge documents
  • Coordination with Credit teams of partner Financial Institutions
  • To provide assistance to front-line for preparation of credit & investment proposals as and when required
  • Act as a custodian for all documentation pertaining to Credit & Investment disbursement, and management
  • To inculcate credit and investment process discipline in-line with best practices of credit & risk governance

Candidate Profile

Education and Experience

  • Minimum education of 16 years or a four-year undergraduate degree in Finance/Business/Economics
  • Minimum of 4 years working experience in financial institutions including an understanding of credit administration and loan agreements

Desired Skills and Experience

  • Knowledge of Credit Administration and its activities and all aspects of risk elements involved
  • Strong knowledge of Banking and Lending related regulatory requirements and laws in Pakistan
  • High sense of professional ethic, responsibility and teamwork
  • Excellent interpersonal and communication skills
  • Ability to react to stressful situations with professionalism
  • Excellent command over Microsoft Excel
  • Experience/ knowledge of Data Analytics would be preferred

Culture and Values at Karandaaz

Karandaaz Culture is guided by our values of Innovation, Collaboration, Accountability, Respect and Equity (ICARE). These values shape our choices on what we do and how we do it, both with colleagues internally and partners externally. We also believe that we are all responsible for creating a great place to work and are constantly looking to hire individuals who bring the same level of passion and commitment to the purpose of the organization.

If you believe in Karandaaz vision and values and feel excited about the work we are offering, please send us your application for this position to clearly mentioning the position title in the subject line. We will be accepting submissions till 21st July 2019.

Karandaaz is an equal opportunity employer. Women and people with disabilities and encouraged to apply.

Copyrights © 2024 Karandaaz Pakistan
Non-profit company registered under Section 42 of the Companies Act, 2017