Senior Officer, Secure Lending OPS (Emiratised role)

About This Role

Role Purpose Responsible for preparing documentation of Islamic real estate (Home Finance & Estate Finance) facilities 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.

Key Accountabilities

• Preparing Documentation such as facility offer letters, Consent Letters and other ad hoc Letters for Islamic real estate (Home finance & Estate Finance).
• Reviewing all documents and maintaining accuracy with regards to Facility amounts, Profit 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 Islamic real estate (Home finance & Estate Finance) facility 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.

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 Islamic mortgage & Real Estate facility 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.