Specialist, Credit Control - Alain

The role is responsible for managing of credit limits relating to credit facilities and guiding the team members in the day-to-day transactions with respect to limit encoding & control. Further, he/she is responsible for ensuring that the team complies with the approved terms and adheres to policies, process and procedures of FAB Head office, representative offices, international branches and regulators Authorize / Process/ Encode credit limits and to ensure accurate detailing into the Banks Systems along with maintenance of Banks & Country Limits as per Credit Approvals Maintaining accuracy with regards to application of interest rates, commissions, fees and charges. Authorize/ Process / Encode maintenance of CCIB obligor details based on the requests received from UAE and international branches in line with the local regulations of the respective jurisdictions. Authorize / Process / Prepare day to day transactions – Loan memos, Processing tickets, PPC discounting/ settlements, SVC etc Authorize / Process / Encode monthly activities such as annual review of credit limits in GLCMS Authorize / Process memos for provisioning of accounts, customer grade changes, suspension of interest and passing relevant write-off entries. Authorize / Prepare Liability/No Liability Certificates / Letters. Ensure 100% satisfaction rating by internal customers by providing superior service quality, manage internal customer relationships and ensure that queries and exceptions are addressed efficiently with proactive measures. Ensure timely response to service and support requests, queries, escalations and deficiency reports. Stay abreast of latest developing concepts, new regulations by the UAE Central Bank, other legal entities and Corporate Credit guidelines Ensure adherence to published Standard Operation Procedures (SOP), Service level agreements (SLA’s) and understanding of relevant products, procedures and Delegation of Authority (DOA) of the Bank. Support Team Leader (TL’s) in distributing work among team members and ensure smooth flow of day-to-day transactions. Assist TLs in monitoring work submission channels (emails and other workflow management systems in use) for daily task allocation within the Unit, to ensure task completions and update internal stakeholders accordingly. Authorize / Prepare instruction memos to Loan operations for disbursement, changes in repayment, settlements, maintenance and collection of various fees etc Authorize / Prepare instruction Memos to Client Service (CS) team for release of excess margin held against facilities as per approved terms. Authorize / Prepare instruction memos for amendment of interest rates of overdraft pricing linked to fixed deposits, deferring loan instalments, extending loan maturity date etc. Authorize / Process / Encode Bank and Country limits as per approval Authorize / Process upload of interest rates codes in Bank systems Prepare various reports as and when requested by HO-CCU & Sanction/HO-CAD/Senior Management Undertake special projects/assignments as and when requested by Line Manager/ HO-CCU& Sanction / HO- CAD/ Senior Management. Report KRI’s and Operational loss incidents in a timely manner. Proactive engagement with key stakeholders and ensure operational continuity without any process breach Recognize and highlight process enhancement opportunities. Provide guidance and on the job training for staff, conduct knowledge sharing sessions and monitor performance of the team. Ascertain adequate training of team members Ensure adequate back-ups for self and team members during leave period Timely archiving of transactional documents as per Unit’s process. Maximize available manpower to meet business deliverables. KEY ACCOUNTABILITIES: Policies, Systems, Processes & Procedures Follow all relevant departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner. Demonstrate compliance to organization’s values and ethics at all times to support the establishment of a value drive culture within the bank. Continuous Improvement Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes and practices considering global standards, productivity improvement and cost reduction. Reporting Assist in the preparation of timely and accurate statements and reports to meet department requirements, policies and quality standards. Job Context : Zero Loss; NIL near miss / income leakage event; target zero high risk error Target zero complaints, minimum 95 % adherence to TAT standards as agreed with business. Achieve more than 90% satisfaction score in the internal customer s

Manage and encode credit limits and related transactions for credit facilities in line with approvals, policies, and applicable DOA. Maintain accuracy in interest rates, commissions, fees, and charges; update CCIB obligor details per UAE and international regulations. Prepare and authorize day-to-day transactions (loan memos, processing tickets, PPC discounting/settlements, SVC). Perform monthly activities including annual credit limit reviews in GLCMS. Prepare memos for provisioning, customer grade changes, suspension of interest, and write-offs. Prepare and issue liability/no liability certificates and letters. Ensure 100% internal customer satisfaction and proactive issue resolution; respond to service requests, escalations, and deficiency reports. Stay updated on UAE Central Bank regulations and Corporate Credit guidelines; adhere to SOPs, SLAs, and DOA. Support Team Leaders in workload distribution and daily task allocation; monitor submission channels and update stakeholders. Issue memos for disbursement changes, repayment adjustments, settlements, and fee collections; instruct CS for release of excess margin. Issue memos for interest rate amendments, fixed deposits-linked lending adjustments, deferrals, and maturity extensions. Process bank and country limit updates; upload interest rate codes in systems. Prepare reports for HO-CCU, Sanction/HO-CAD, and senior management. Undertake special projects as requested; report KRI and operational loss incidents timely. Engage stakeholders to ensure continuity and highlight process improvements. Provide training and coaching to staff; ensure adequate backups and timely archiving of documents. Maximize manpower utilization to meet business deliverables.