Senior Officer- Secure Lending OPS

Job Description

The GCOO is an enablement that supports business growth of First Abu Dhabi Bank's Consumer Banking Business, meets the service aspirations of all our customers and remains an independent assurance provider of credit quality through the possession of sound credit risk, product and market knowledge.

Responsible for preparing documentation of conventional real estate (Escan & Estate Finance) loans and ensuring accurate detailing before activating the same into the Bank's system. Further, responsible for the day-to-day duties of all secure lending ops activities within the team. Provide high levels of customer service and ensure error-free processing. Moreover, accountable for complying with all necessary approval terms and conditions under FAB policies and procedures

• Preparing Documentation such as Loan offer letters, Consent Letters and other ad hoc Letters for conventional real estate (Escan & Estate Finance).
• Reviewing all documents and maintaining accuracy with regards to Loan amounts, Interest rates, Fee recovery and other terms and conditions in line with bank policy and procedures.
• Ensuring rectification of any discrepancies raised at time of document vetting.
• Signing as maker for all disbursal, internal memos which are sent to Loan Operations.
• Process as maker in system related activities such as CAS, LMS etc.
• Preparing conventional real estate (Escan & Estate Finance) loans Instruction after all documentation is in order and send to Loan operations for processing.
• Updating deferral & Post Disbursal Documents MIS
• Ensuring Timely submission & updating respective MIS.
• Lodgement of Disbursal and other documents.
• Act as a backup during the absence of other staff and as and when necessary.
• Execute any special tasks assigned by Management from time to time.
• Maintain records related to Admin functions such as inward/outward mail statements, acknowledgements and other important correspondence.
• Check if applications are complete with all required documents and ensuring the same is filed properly in respective product file before security documents are sent for lodgement.
• Receive and record all requests in respective MIS.
• Process all transactions as per the approved DOA for Credit and Business
• Ensure all queues are zero at the end of the day.

Qualifications

Minimum Qualification

Bachelor's in Commerce Major in Management Accounting.

Knowledge & Experience:

6-8 years experience in Consumer Banking with at least 6 years experience especially in mortgage & Real Estate loans in admin / OPS functions.

Skills:

• Knowledge and use of banking software systems, basic PC skills and common MS applications like Excel and Word.

• Good knowledge of English language (both written and spoken).

• Good knowledge of Bank's financial system.

• Very good knowledge of Banking Products / Mortgage & Personal Banking functions.
• Very good knowledge of U.A.E. legal environment & Central Bank regulations.
• Decision making skills, ability to work under pressure, attention to details.