Senior Officer Credit Control (UAE National)

المسمى الوظيفي

411_2624430

Overview

CBD operates in the UAE for over 50 years, managing the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. CBD has transformed into a progressive and modern banking institution, winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services. CBD was recognised as the number one bank in the UAE on the Forbes list of The World’s Best Banks 2022. As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Your ability to demonstrate a talent for dealing with people—colleagues and customers—and delivering service that goes the extra mile is important.

You will perform all maker activities within Limits & Collateral Management, ensuring exceptional customer service in accordance with agreed SLA and TAT requirements. You will execute timely and efficient processing of all tasks related to limits and collateral management, including origination, maintenance, settlements, reconciliation procedures, and the implementation of robust controls to mitigate operational risks. You will support team management by proactively addressing system-related issues, housekeeping, internal audits, fraud prevention, AML, compliance matters, Business Continuity Management (BCM), and the maintenance of sound internal controls.

المسؤوليات

• Carry out maker activities in the systems: Creation or maintenance of the following activities.
• Tangible collateral details as per the credit approval/facility documentation in Emirates Movable Collateral Registry (EMCR) before setting up limits
• Clients limits, maintenance & cancellation of same as per Credit approval/facility documentation including interest rates for Overdraft facilities; Borrower accounts are maintained in system with appropriate grades
• Collection of all processing fees on a timely manner to avoid any income leakage
• All collateral details, including placement & removal of lien on client’s deposits, share mortgages, vehicle mortgages etc. based on credit approval/facility documentation
• Creation, maintenance & cancellation of covenants as per the credit approval/facility documentation
• SIC codes are properly fed into the system
• All other activities related to limits management such as Downgrade/upgrade accounts, interest in suspense, write off account, credit review date etc. are updated in the required systems in line with credit and other systems
• Carry out all LTV monitoring (Gold, Shares, Oil and other commodities) on a periodic basis including asset revaluation. Any breaches are actioned immediately under advisement to Business and credit
• Ensure accurate client related data are published in client related letters such as audit confirmation, liability & no liability reports, inward & outward status reports
• Ensuring that price revisions are updated in system as per approval terms or as advised by Management
• Support team in AML compliance, FRR & Legal queries including placing hold and removal based on instructions from Legal, FRR, AML & Compliance departments
• Carry out activities with “zero” operational losses

As and when required, act as an active backup for other unit processes within Credit Middle Office and, when requested by team management, act as a checker to carry out Credit Middle Office activities.

General

• Achieve Operational & control efficiency by improving standard processing time and transaction volumes and driving productivity
• Ensure all under limits & collateral activities are performed as per Operations Procedure to achieve satisfactory audit ratings
• Carry out activities with “zero” operational losses
• Support management to centralise the control activities & implement automation for a more controlled, efficient environment
• Reduce re-work rate
• Adhere to SLAs and TATs as agreed with stakeholders
• Improve TAT for credit processes by automation
• Support team management to update SOP periodically
• Address system issues and follow up on remedies
• Apply remedies for Internal and External/UAE Central Bank inspections remarks related to limit input/pricing etc.
• Train staff within the department and maintain effective backups for critical positions
• Implement credit control policies and procedures of the Bank, and relevant UAE Central Bank/government guidelines

المتطلبات

Qualifications

• Finance Degree
• MS Office proficiency, especially Word, Excel, and spreadsheets
• Sound knowledge of the functioning of Core systems and related satellite systems

الخبرة

• 4 to 7 years of banking experience and 4 years in the Credit administration functions
• Good understanding of banking operations, Bank’s policies, procedures, guidelines, statutory requirements, market conditions including systems

Skills

• Good command of the English language
• Excellent communication skills
• Planning and organising abilities
• High level of interpersonal and negotiating skills
• Computer literate with strong working knowledge of business software applications, particularly Word/Excel

Competencies

• Analytical Thinking & Problem Solving
• Confident work ethics
• Concern for quality
• Concern for developing team members/subordinates

Seniority level

• Not Applicable

Employment type

• دوام كامل

Job function

• Finance and Sales

Industries

• Banking

#J-18808-Ljbffr

2025-11-11 13:17:41