Specialist, Credit Control - Alain

Role Overview

Specialist, Credit Control at First Abu Dhabi Bank, located in Abu Dhabi.

Role Purpose

The role manages credit limits for credit facilities and guides team members in day-to-day transactions related to limit encoding and control. The postholder ensures the team complies with approved terms and adheres to FAB Head Office policies, processes, procedures, and regulatory requirements across representative offices, international branches, and external regulators.

Key Responsibilities

Credit Limit and Encoding Management

• Authorize, process, and encode credit limits and ensure accurate detailing into Bank systems.
• Maintain Bank and Country limits in accordance with credit approvals.
• Maintain accuracy with regard to application of interest rates, commissions, fees, and charges.
• Authorize, process, and encode Bank and Country limits as per approval.
• Authorize and process upload of interest rates codes in Bank systems.

CCIB Obligor and Transaction Processing

• Authorize, process, and encode maintenance of CCIB obligor details based on requests from UAE and international branches in line with local regulations of respective jurisdictions.
• Authorize, process, and prepare day-to-day transactions including loan memos, processing tickets, PPC discounting and settlements, and SVC.

Monthly and Periodic Activities

• Authorize, process, and encode monthly activities such as annual review of credit limits in GLCMS.
• Authorize and process memos for provisioning of accounts, customer grade changes, suspension of interest, and passing relevant write-off entries.
• Authorize and prepare Liability and No Liability Certificates and Letters.

Instruction and Stakeholder Communication

• Authorize and prepare instruction memos to Loan Operations for disbursement, changes in repayment, settlements, maintenance, and collection of various fees.
• Authorize and prepare instruction memos to Client Service team for release of excess margin held against facilities as per approved terms.
• Authorize and prepare instruction memos for amendment of interest rates of overdraft pricing linked to fixed deposits, deferring loan instalments, and extending loan maturity dates.

Service Quality and Customer Satisfaction

• Ensure 100% satisfaction rating by internal customers through superior service quality.
• Manage internal customer relationships and address queries and exceptions efficiently with proactive measures.
• Ensure timely response to service and support requests, queries, escalations, and deficiency reports.

Regulatory and Compliance Adherence

• Stay abreast of latest developing concepts and new regulations by the UAE Central Bank, other legal entities, and Corporate Credit guidelines.
• Ensure adherence to published Standard Operation Procedures, Service Level Agreements, and understanding of relevant products, procedures, and Delegation of Authority of the Bank.
• Report Key Risk Indicators and operational loss incidents in a timely manner.

Team Support and Coordination

• Support Team Leaders in distributing work among team members and ensure smooth flow of day-to-day transactions.
• Assist Team Leaders in monitoring work submission channels (emails and other workflow management systems) for daily task allocation within the Unit to ensure task completions and update internal stakeholders accordingly.
• Provide guidance and on-the-job training for staff and conduct knowledge sharing sessions.
• Monitor performance of the team.
• Ascertain adequate training of team members.
• Ensure adequate back-ups for self and team members during leave periods.
• Maximize available manpower to meet business deliverables.

Reporting and Documentation

• Prepare various reports as and when requested by HO-CCU & Sanction, HO-CAD, or Senior Management.
• Timely archiving of transactional documents as per Unit's process.

Process Improvement and Engagement

• Proactive engagement with key stakeholders and ensure operational continuity without any process breach.
• Recognize and highlight process enhancement opportunities.
• Contribute to identification of opportunities for continuous improvement and sustainability of systems, processes, and practices considering global standards, productivity improvement, and cost reduction.

Special Projects and Assignments

• Undertake special projects and assignments as and when requested by Line Manager, HO-CCU & Sanction, HO-CAD, or Senior Management.

Compliance Culture

• Demonstrate compliance to the organization's values and ethics at all times to support establishment of a value-driven culture within the Bank.

Qualifications & Experience

Education

• Bachelor's degree or related discipline.

Experience

• Relevant experience in the banking sector with at least 3 years in similar positions of progressively increasing managerial responsibilities in the credit facility function.

Additional Information

Performance Targets

• Zero loss; nil near miss or income leakage events; target zero high-risk error.
• Target zero complaints; minimum 95% adherence to turnaround time standards as agreed with business.
• Achieve more than 90% satisfaction score in internal customer survey.
• Nil unauthorized breaches in policy or regulatory requirements and SOPs.
• Satisfactory rating in all audits (INA, RMU, ORC).
• Nil breaches in housekeeping (reconciliations, tracers, activity tracker).
• Nil critical findings in regulatory, external, or internal audits.
• Track number of process improvement proposals found beneficial by management and number of successful process improvements implemented.

Operational Focus

• Work with the line manager in introducing strong tools and processes to identify and ease business-as-usual risks attached to the unit.
• Pursue opportunities for enhancing operative efficiencies with adequate monitoring.
• Ensure excellent housekeeping standards at all times.