Unit Head

1 week ago


Abu Dhabi, Abu Dhabi, United Arab Emirates ADIB - Abu Dhabi Islamic Bank Full time
Job Description

**Role Summary:**

The Unit Head - Credit Control Specialist will be responsible for managing the Credit Control Department, ensuring full adherence to stipulated terms and conditions, and implementing strategic initiatives by Risk Management.

**Key Responsibilities:**

  • Manage the resources available in conducting responsibilities related to Credit Control effectively and efficiently.
  • Ensure that all terms and conditions stipulated in the Credit Approval as precedent to disbursement of limits have been duly complied with and all securities and required documents have been obtained prior to releasing limits.
  • Participate in the development and implementation of new products, services, and systems that involve credit risk, and provide input and feedback.
  • Manage timely and accurate implementation of Credit approval limits in various systems with strict adherence to stipulated terms and conditions in the Credit Approval and carry out on-going maintenance of all credit facilities.
  • Identify and measure the skill set of each employee and develop a training plan to improve the overall skill set of the Unit.
  • Develop and improve internal controls on-going basis.
  • Provide regular input on policy and develop procedures related to Credit Control to align the unit with Business objectives.
  • To act as a trouble shooter to deal with Relationship Managers, Credit Managers, and other business partners.
  • Develop and maintain dashboards and KPI's to measure and report the overall performance of the unit.
  • Extend proper advice and assistance to Relationship Manager and CCD staff regarding Credit and documentation issues and coordinate with Legal/ Sharia wherever required.
  • Ensure accurate and timely reporting of all MIS.
  • Participate in Risk Management projects when needed.
  • Ensure proper and timely implementation of recommendations of Credit Review / Audit Department.
  • Support the unit in registering and releasing mortgage by visiting Land department.
  • Ensure Implementation of ORM and BCM guidelines.

**Specialist Skills / Technical Knowledge Required for this role:**

  • A thorough understanding of Commercial products/Islamic Banking.
  • Strong knowledge of credit risk principles, methodologies and best practices.
  • Excellent analytical, problem-solving, and decision-making skills.
  • Effective communication skills in written English and preferably knowledge in Arabic.

**Qualifications & Experience:**

  • A bachelor's degree in finance, accounting, economics, or related field.
  • At least 12 years of experience in credit control and documentation, of which 3 years in a managerial or supervisory role.


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