Credit Administration Manager - Corporate
GulfBankers
(Abu Dhabi, United Arab Emirates)
منذ 7 يوم
  • Ensure that credit approvals are signed by the approved delegated credit authority.
  • Prepare and Review standard & non-standard documentation, Security related documents, Internal & External legal opinions and other condition precedent documents, etc.
  • in compliance with sanctioned credit approvals.

  • Ensure all security / support documents have been properly executed, signatures are verified and authenticities of the signatories are supported by resolution / POA.
  • Coordinate with Product Specialists / Coverage / Credit / Group Legal as required in order to complete the documentation process prior to release of facility limits in the System (including encoding of limits).
  • Ensure approval from relevant authorities is held for deferrals / waiver of any incomplete documents.
  • Ensure rectification of existing discrepancies / deficiencies (if any) in documentation.
  • Review and circulate documentation deficiency (expired / deferred documents) reports and following up for its timely submission / renewal.
  • Lodge and maintain up to date security documents / collaterals in the Bank’s system.
  • Ensure rectification of existing discrepancies / deficiencies in security documentation for all loans which have been disbursed.
  • Perform periodical clean-up of old and obsolete security documents to keep updated / valid security documents in the security folder.
  • Verify and confirm periodically at the renewal of credit facilities, all required security / support documents are physically held in (dual) safe custody.
  • Ensure all security documents are kept safe in the vaults and a checklist maintained in the Credit file.
  • Review / verify approvals obtained for permanent release of collaterals, security documentation and ensure there are no liabilities / outstanding and facilities are cancelled.
  • Provide a clearance to CAD-Controllers, upon completion of documentation requirements, to release credit facilities in the Bank’s system.
  • Ensure renewal of CA Package before line expiry by maintaining a review calendar and circulating it regularly to management to advise them of credit reviews falling due next month.
  • Maintain a tracker of approval conditions and circulate periodically for follow up by Coverage and Credit.
  • Ensure limit are correctly setup and activated in the system in line with approved product types, terms & conditions, rate structure, fees & any other special instructions.
  • Process day-to-day transactions including loan drawdowns after performing necessary due diligence.
  • Carryout monthly activities such as review of limits in GLCMS, deferring loan instalments or extending loan maturity date.
  • Laise with Finance Department for provisioning of accounts and suspension of interest.
  • Issue memos to Operations for loan drawdowns, rollovers, amendments in repayment schedule, loan settlements and recovery of various types of fees.
  • Issue instructions to Operations for release of excess margin held against facilities as per approval.
  • Skills and Qualifications :

  • Minimum Bachelor’s degree
  • 3 - 4 years of banking experience.
  • Professional / legal qualifications will be an added advantage.
  • Excellent communication skills in English, written and verbal.
  • Strong interpersonal skills for effective interaction with external and internal stakeholders.
  • Good Analytical Skills.
  • Ability to develop and implement control measures to mitigate any risks associated with the process and to build operational efficiencies.
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