Role: Senior Credit Control Officer
Location: Abu Dhabi, UAE
Role purpose:
Possess sound knowledge of Islamic financing structures, relevant Facility Agreements, and associated collateral/security documentation.
Ensure accurate preparation of Facility and Security documents in line with approved terms and conditions, incorporating all approval stipulations.
Prepare and review documentation in both English and Arabic in accordance with approved standard legal and Sharia-compliant templates.
Undertake thorough review and validation of executed finance and security documents to confirm execution by duly authorized signatories in line with valid constitutional documents.
Ensure timely registration and perfection of securities/collaterals with the relevant authorities, in compliance with Credit Risk Policy, procedures, CCD SOPs, and applicable legal and Sharia guidelines. Safeguard the Bank’s interests by ensuring documentation enforceability under UAE laws and regulations.
Maintain and update facility limits, review/expiry dates, collateral records, and risk grades, including registration of movable assets (EIRC), and ensure accurate and timely updating monitoring and follow-up trackers.
Key accountabilities of the role:
Ensure all credit approvals are obtained strictly in line with the approved Delegation of Lending Authority (DLA).
Prepare Facility Letters, Facility Agreements, and Security/Collateral documents on a bilingual basis (English and Arabic), ensuring the use of approved legal and Sharia templates and comprehensive incorporation of all approval terms and conditions.
Conduct detailed review and vetting of executed Facility Agreements and Security/Collateral documents in compliance with Credit Risk Policies, CCD SOPs, standard process flows, and applicable legal and Sharia guidelines.
Verify that all documents are duly executed by authorized signatories in accordance with valid constitutional documents and ensure that required legal opinions (internal/external counsel) are obtained and signatures are appropriately validated.
Ensure timely registration of collaterals (as applicable), and in line with applicable laws, jurisdictions, credit policies, CCD SOPs, and legal requirements.
A sound understanding of reviewing and vetting documents executed by offshore entities or documents executed outside the UAE, ensuring compliance with applicable legal, regulatory, and jurisdictional requirements.
Maintain and update facility limits, collateral details, EIRC registrations, and risk grades in alignment with approved terms and executed documentation.
Adhere strictly to CCD-approved SLAs, ensuring efficiency, controlled, and timely processing of all assigned activities with due diligence.
Demonstrate the ability to multitask and actively contribute to CCD projects and initiatives.
Support managers and team members in ensuring completion of all deliverables within prescribed turnaround times.
Proactively contributes to strengthening controls, supporting process automation, simplification, and participating in the implementation of process improvements.
Maintain professional and collaborative relationships with stakeholders including business, credit, risk, legal and Sharia, ensuring timely resolution of queries and effective communication.
Ensure a sound understanding and learning of all product programs and their respective process flows, in accordance with approved Shaia and product guidelines and standard documentation.
Handling additional required task or assignment assigned by the line manager.
Specialist skills / technical knowledge required for this role:
A thorough understanding of Credit risk Policies, CCD/ Credit administration functions and Facility structures.
A thorough understanding of Islamic Banking Asset and liabilities products
Good understanding of technological issues with sound analytical ability and PC skills.
Effective communication skills in English and Arabic.
Ability to work independently with minimal supervision.
Previous experience:
7 – 10 years of banking experience with 3+ years’ experience in credit documentation and operations.
Skills Required
- 7–10 years of banking experience
- At least 3 years of experience in credit documentation and operations
- Thorough understanding of credit risk policies, credit administration functions, and facility structures
- Thorough understanding of Islamic banking assets and liabilities products
- Understanding of facility agreements and collateral/security documentation
- Ability to prepare and review documents in English and Arabic
- Understanding of legal, regulatory, jurisdictional, and Sharia-compliant documentation requirements
- Good technological, analytical, and PC skills
- Effective communication skills in English and Arabic
- Ability to work independently with minimal supervision
What We Do
Abu Dhabi Islamic Bank, A Public Joint Stock Company, is a leading Islamic bank headquartered and listed in Abu Dhabi- UAE with a purpose of being a lifelong partner for customers, colleagues and community. Over the last two decades, ADIB has demonstrated a consistent track record of growth with assets now totaling USD 34 billion. The bank currently serves more than 1 million customers through a balanced proposition that combines a highly-personalized customer experience with world-class digital banking services. ADIB is a full-fledged financial service provider that offers banking solutions for individuals, corporates and affluent customers. In addition, the wider ADIB Group provides brokerage, real estate and property management, payments and insurance services. ADIB has one of the largest distribution networks in the UAE with more than 60 branches. Internationally, the bank has a presence in six strategic markets - Egypt, , the Kingdom of Saudi Arabia, the United Kingdom, Qatar, Sudan and Iraq.
