Senior Credit Control Officer

Job description / Role

• Ensure Limit Management, Facility Disbursement/Maintenance of facilities related to Corporate/Commercial/IBD/Islamic Business Unit to ensure the highest level of service standards.
• Ensure adherence of TAT and SLA of CAD without compromising the Credit & Operational Risk involved in the Credit Management Process (CMP).
• Proactively ensure the implementation of SOPs on an ongoing basis to achieve high levels of efficiency without any bottom line impact due to operational loss.
• Coordinate within the team members to ensure the set objectives are met.
• Execute the deliverables of Syndicated/Structured facilities
• Ensure adherence to policy and procedures of the CAD, Credit Division and other units.
• Ensure availability of margins and collateral before disbursement and facility in line within the sanctioned terms/condition.
• Assist Manager-Credit Control Unit in his functional and administrative deliverables as and when warranted.

Main Tasks & Responsibilities

Authorize all limits and loan disbursements originating from the assigned portfolio of the respective unit/team and to certify the daily control reports generated out of available systems to ensure accurate implementation and ongoing maintenance of facilities as per the sanctioned terms/conditions.

Ensure complete adherence to the approved/set policies and procedures of the bank by the unit/team members to adequately safeguard bank’s interest by ensuring the correct implementation of limits and disbursement of funds as the case may be.

Identify, initiate and report to RM/CG/IAD under advice to Manager/CCU/Head-CAD about any irregularities, irrespective of its nature/magnitude, whether minor or major whatsoever

One Point Contact’ to refer any problem/exception related to transactions from the processing centers/branches/business unit on a day to day basis. Assess the situation and provide necessary guidance/support to the concerned Delivery Point.

Meticulous monitoring of all securities margin (share, Investments, guarantees) and arranging the top-ups wherever it falls below the specified requirements in order to protect the bank’s risk.

Provide functional/conceptual/technical support to unit member to ensure that technicalities of sanctioned terms and SOP are followed. Proactively involve unit members to adhere to TAT to meet the objectives that is in conformity with credit objectives

Manage and coordinate in implementation of new initiatives/projects for the unit and or Bank as required from time to time.

Requirements

Background Knowledge & Experience.

Minimum Education
Graduate

Professional Qualifications
Degree/Diploma in Accounting and Finance.

Work Experience
Minimum of 5 to 10 years banking experience, of which at least 5 years should have been in Corporate Credit Administration.

About the Company

ADCB is a full-service commercial bank offering a wide range of products and services such as retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, foreign exchange, interest rate and currency derivatives, Islamic products, project finance, and property management services.