Credit Operations Officer/Senior Officer
Abu Dhabi Islamic Bank
Responsibilities
1- Functional
Manage Corporate Operation portfolio including
a. syndications
b. SME’s
c. Top tier & large corporate
d. public sector
e. financial instructions banks and non-banks
f. MNCs
g. TTLC
h. NPL customers
i. commercial banking
j. business banking customers
2- Control Booking of contracts , disbursement of funds , reschedules and settlements till pay-off
3- Authorize indirect facilities granted to corporate and retail customers
4- Manage the implementation of CA terms and conditions as well as disbursement conditions related to import & export contracts , supply / purchase orders and Islamic contracts terms
5- Monitor customers checks portfolio ( Guarantee & PDC’s ) according to risk conditions and control related concentrated ratios
6- Handle borrowing and transactional documents related to business banking and fully secured indirect facilities
7- Report clients PO & contracts status & calculate related D/P on weekly basis to CR. Admin to adjust client commitment limit accordingly
8- Report and calculate clients PDC portfolio D/P to credit admin end of each week to adjust client commitment limit accordingly
9- Close monitor of bank income generating from the financial products by applying CA right profit rate and ensure profit payment on the due date , and reporting to risk unpaid clients profit on monthly basis
10- Close monitor to the wholesales financing products GLs & reconcile them with the customers actual exposure on monthly basis , while rectify any differences if any
11- Calculate as a manager Syndication for payment / drawdown per each bank and send breakdown to Agency team to take necessary action.
12- Review calculation sheet for Ijara tri-parity Contracts before send it to Adi-lease team in order to take necessary action
13- Review with Mudarba revolving turn over for as per CA condition before send it to risk and RM
14- Running and review past Due Mudarba FX temporary weekly for Corporate segments then send it to FI and Treasury teams take necessary action.
15- Ensure that CA conditions related to Credit ops had been reported to Risk end of each month
16- Follow up on contract with zero balance till be settled and report it to risk and business team on daily base.
2- Managerial
1- implementing the shifting model for credit operation staff
2- Implement the creation of back up for each department function , through Cross training and Job rotation
3- Coaching credit operation junior staff till being capable to fully handling all credit operation activities on core banking systems and on-going , increasing their knowledge and capability till being a credit operation expat through direct meetings and organized banking external courses , mainly in Islamic products
3- Organizational
1- Ensure abidance to the bank policy , procedures , CBE regulations and SHARIAA approvals
2- Review daily submitted E-mails through the group and daily review of department requirements while confirm answering all requests in a correct time frame according to the agreed TAT and approved SLA
3- Perform the KPI Dashboard by reducing cost per transaction through reducing expenses and maintaining the under staffing approach as well as investing in junior staff
4- Performance Indicators
Reach a complete achievements of the following :-
1- Complete customer satisfaction by a full adherence to the SLA and TAT with all other departments
2- Perform all operational aspects with zero risk
3- confirm the fulfilment of daily tasks with zero defect from all credit Operation staff
4- Enhance system and operational knowledge to his subordinates
5- Maintain low risk profile while performing department daily activities by enhancing system tools and keeping the 4 eye principle concept on all risk area within the job functions
5- FRAMEWORKS, BOUNDARIES, & DECISION MAKING AUTHORITY
Full adherence to the department procedures
Fully compliant to CBE regulations Banking policies and procedures
Operational risk requirements
EFSA rules and regulations
Islamic standards and sharia requirements
6- Initiatives
Handling internally department unusual tasks required while control task performance with minimum supervision from department heads
Minimum Qualifications:
Banking Operation, Credit operation.
Minimum Experience:
0-6 years of wide banking experience in banking operations
Job specific Skills:
Corporate and risk oriented.
Has strong knowledge of the Egyptian Market
Fluency in English ( written / spoken )
Excellent supervision and interpersonal skills
Excellent computer and banking system knowledge
Ability to work under pressure with multiple tasks
Accurate , alert and well organized
Very strong analytical skills
Understanding SHARIAA standards for corporate finance
Strong background in manage core banking systems deployments and implementation over corporate finance modules
Excellent Managerial , c
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