Job Purpose
To plan, organize, control and implement effective Credit approval/administration policies, procedures and processes that enable analysis, documentations, disbursement and maintenance of retail assets, liabilities and investment products.
Main Tasks and Responsibilities
Team Management
• Overall management of the internal teams of Lending Services including resource planning and productivity tracking.
• Ensure the staff discipline and professional behaviour is maintained.
Process development & Reviews
• Develop process for all the tasks carried out by the unit related to loan / CASA documentation, approval, disbursal and Maintenances.
• Identify all the gaps in the processes periodically and publish revised the SOPs time to time.
Management of Security documents and instruments
• Ensure all the documents handled by the unit are archived and moved in secured and confidential manner.
• All the instruments handled by the unit should be controlled and stored safely.
Operational Risk
• Identify all the risks pertain to the tasks carried out by the unit and monitor those items periodically.
• Ensure all the control measures like access rights, authority delegations, reconciliations and verifications are in place and practiced without fail.
People Collaboration
• A trained and motivated team, who can perform all the assigned tasks efficiently.
Systems and Applications
• Should be well versed with all the banking systems and applications used for carrying out the day to day activities.
• Ensure all the required systems, applications and access rights are available to the team members for them to the carry out the tasks assigned smoothly.
• Explore & contribute to system enhancements for embracing new & revisions for product implementations Minimum Education Level: Graduates/ Masters
Professional Qualification: A degree in Finance is preferable.
Experience: 8-10 years of banking experience of which 4-5 years should be in retail banking Founded in 1985, ADCB employs more than 4,000 staff from 62 nationalities, serving over 600,000 retail customers, and approximately 50,000 corporate and SME clients. The bank operates in 48 branches, 4 pay offices, 2 branches in India, 1 branch in Jersey and a representative office in London. By the end of March 2015, the total assets of ADCB amounted to AED 207 billion.
ADCB is a full-service commercial bank that offers a wide range of products and services including retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, foreign exchange, interest rate, currency derivatives, Islamic products, project finance and property management services.
ADCB is 58.08% owned by Abu Dhabi Investment Council, the investment arm of the Government of Abu Dhabi. The banks shares are traded on the Abu Dhabi Securities Exchange. By the end of March 2015, excluding treasury shares, ADCBs market capitalization was AED 34 bn
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