Specialist- Islamic Lending OPS (Emiratised role)

Company Description

Join the UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting & dynamic industry. 

Job Description

JOB PURPOSE:

The Group COO is an organization that enables business growth of First Abu Dhabi Bank’s SME & Consumer Banking Business meets the service aspirations of all our customers and remains an independent assurance provider of credit quality through the possession of sound credit risk, product and market knowledge. Consumer Banking CAD - Islamic-Plain Mass Market Products is handling the document perfection, disbursal, settlements for Islamic retail customers.

The job will be responsible for processing credit administration activities pertaining to new acquisitions and bookings (top-ups) and maintenance for Islamic Retail Products. The role will require a deeper level of understanding of the mass products as it will also be responsible for processing collection cases (restructuring or rescheduling) for unsecured products and authorizing transactions for makers. 

4. KEY ACCOUNTABILITIES:

Generic Accountability

• Act as a checker by verification and validation of genuineness of the credit documents and customer data for case submission within product remit.
• Review credit approval, credit conditions, and relevant documents and special instructions from Collections.
• Check if applications are complete with all required documents. Ensure the documents are filed properly in respective product file and security documents in a separate plastic folder.
• Receive and record all loans.
• Forward loans and credit facility files to Operations as per agreed TAT/cut-off times, & accordingly update tracker.
• Receive, review and process loan maintenances including settlements, & Vehicle Mortgage & Release.
• Maintain records related to Admin functions such as; inward/outward mail statements, acknowledgements and other important correspondence.
• Return PIL, Auto, Cards applications to source for any discrepancies.
• Collaborate with Distribution and internally within the team if rectification of the applications is required.
• Sort out Cards, PIL and Auto loan applications and register them in respective registers and in some instances assigned them to the team.
• Execute any special tasks assigned by management from time to time.
• Act as a backup during the absence of other staff and as and when necessary.
• Ensure that Mandate Files are indexed accurately, received securities are complete and there is no left-over documents.
• Ensure that Filing is done with correct date/ Branch name / Loan account numbers without any error.
• Ensure that at the end-of-the Day left over Documents for scanning / indexing are kept overnight in the safe under dual custody.
• Process specialized cases such as National Loans and Unsecured loans restructuring.

Qualifications

Minimum Qualification
Bachelor’s Degree with minimum 1-3 years of working experience in Credit, Credit Administration or Loan Operations.

Minimum Experience

• Knowledge and use of banking software systems, basic PC skills and common MS applications like Excel and Word.
• Good knowledge of English language (both written and spoken).
• Good knowledge of Bank's financial system.
• Very good knowledge of Banking Products / SME & Personal Banking Credit Administration functions.
• Good knowledge of U.A.E. legal environment & Central Bank regulations.
• Team worker, ability to work under pressure, fast learner, attention to details.