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