Job Description
To enable the assessment and credit decisions relating to credit facilities, Mortgage Loans within agreed SLA
Duties and Responsibilities
Your main responsibilities in this role include the following:
Ensures underwriting quality and resultant portfolios are acceptable within the risk appetite of the bank
Improves TAT and efficiencies
Creates effective workflow of processing files and tracking the same
Ensures compliance with existing policies and documentation requirements
Ensures minimal errors rates and audit observations
Ensures verification and processes are carried out as per policy guidelines and SOP
Ensures all customer KYC and documentation provided is according to C2P2 prior to approval of credit facilities
Monitors and reports policy exceptions and trends in loan booking across products
Provides interpretation of policies and procedures and ensures proper credit analysis to improve the asset quality
Supervises and updated tracking systems for periodic reports
Supports automating requirements and implementation of system changes to ensure smooth and efficient process.
Manage the effective achievement of assigned objectives through the leadership of the Credit Secured Products department by setting of individual objectives, managing performance, developing and motivating staff to maximise departmental performance.
People Management
Defines goals and key performance indicators for each member of the team and ensure effective implementation of the FAB performance management process
Implements Manager Scorecard core FAB people management responsibilities including engagement, performance management, and mandatory learning objectives.
Act as a role model and drive adherence to organisational values and ethics by employees of the assigned department to foster a value driven culture within the Group.
Policies, Systems, Processes & Procedures
Ensure effective implementation of Credit & Collections Personal Banking functional policies, procedures and controls covering all areas of assigned department activity so that all relevant procedural/legislative requirements, fulfilled while delivering a quality, cost-effective service within agreed TAT to ensure satisfactory customer experience.
Credit Initiation Management
Manage credit Initiation team for Mortgage Underwriting to ensure efficient and effective operations that support the risk tolerance of the Bank while also facilitating desired asset growth objective.
Ensures exception approval decisions beyond policy or scoring cut offs are made at the appropriate level and with clear justifications, in compliance with bank’s internal policies and regulatory guidelines.
Enhance the use of technology in the credit initiation management to increase the efficiency and effectiveness of the Department.
Business Support
Establish strong working relationships and communication with key stakeholders including, collections, and remedial management, product and segment teams.
Reporting
Ensure that all department reports are prepared timely and accurately and meet Group requirements, policies and quality standards.
Specific Accountability
Ensure TAT is met as per agreed SLA
Minimised risk exposure by reviewing the risk potential in detail to reduce any inherent risks to the business
Accuracy of reports and analysis conducted
Timely and efficient generation of reports for management
Timely execute any special work related tasks assigned by line manager.
Ensure that audit items are addressed and resolved accordingly
Job Requirements
Bachelor’s degree in Business, Finance, accounting, economics, Commerce or any related discipline is preferred.
6 years’ relevant experience in consumer banking, corporate or commercial banking, with at least 3 years in a similar role
Experience in team and process management
Job Details
Company: First Abu Dhabi Bank - FAB
Employment Type: Full-time
Job Location: Abu Dhabi, United Arab Emirates
