وصف الوظيفة
Role Overview
Operations Processor-Contracts (Outsource) at ADIB, Dubai. This role ensures accurate and timely preparation, review, and processing of Home Finance contracts in accordance with Sharia-approved templates, internal policies, legal standards, and regulatory requirements.
Role Purpose
To support the mortgage sales and operations teams by facilitating a smooth contract execution process, ensuring customer satisfaction, and protecting the Bank with appropriate source documents, legally enforceable charge documentations, and securities monitored through a follow-up system. The role ensures daily routine operations are carried out without major hurdles within defined policy and procedures while serving clients effectively.
Key Responsibilities
Contract Drafting & Review
- Prepare and review home finance agreements, addendums, and related documentation.
- Ensure accuracy, compliance, and alignment with approved terms and conditions.
Documentation Verification
- Ensure all pre-contract documentation is complete and validated before contract preparation.
- Verify offer letters, approvals, customer KYC, and title deeds.
Disbursement Kit Review
- Review the full disbursement kit for completeness and accuracy of all required documents.
- Validate contract, title deed, NOC, payment request, insurance, and valuation report prior to loan disbursement.
Compliance & Quality Control
- Adhere to internal guidelines, regulatory requirements, and legal standards.
- Mitigate risks and ensure contract and disbursement readiness.
Contract Template Management
- Act as custodian of all mortgage contract templates.
- Ensure templates are updated, securely maintained, and reviewed periodically in coordination with the Legal department.
- Reflect regulatory and policy changes in template documentation.
Stakeholder Coordination
- Liaise with internal departments including Sales, Credit, Legal, and Risk.
- Engage with external stakeholders such as developers, brokers, and customers.
- Resolve discrepancies and ensure contract readiness.
System Updates & Reporting
- Accurately update contract data in core systems.
- Maintain contract logs for reporting, audit, and MIS purposes.
Timely Execution
- Ensure contracts are prepared and dispatched within agreed turnaround times.
- Support timely disbursal of mortgage loans.
Volume Management
- Manage large volumes of contract requests efficiently.
- Maintain accuracy, quality, and compliance with SLAs.
Qualifications & Experience
- 1-2 years of banking experience in UAE in Retail Mortgage Operations.
Skills & Competencies
- Thorough understanding of Bank policies and product knowledge.
- Thorough understanding of Islamic products.
- Ability to work with minimal supervision.
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