AVP, Business Banking Credit, POS Financing – First Abu Dhabi Bank FAB

First Abu Dhabi Bank aims at getting Stronger, larger and being one of the world's largest financial institutions. The merger of First Gulf Bank (FGB) and National Bank of Abu Dhabi (NBAD) has created the biggest bank in the UAE with approximately $186 billion of assets as at March-end 2017.

Job Purpose
Responsible for the Point of Sale (POS) Portfolio in terms of approvals, issuing sanction advices, monitoring/tracking, and overall portfolio quality.
Core Responsibilities

Generic Accountability
Mange the POS underwriting function of 3000 accounts across UAE ( 816 millon)
Mange the portfolio quality with Robust underwriting standards
Mange the SLA with Cross functional Teams
Mange the team high professional standards.
Mange the NPLS below 1% on the new Bookings
Mange 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 organisation’s values and ethics at all times to support the establishment of a value drive culture within the bank.
Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes and practices considering global standards, productivity improvement and cost reduction.

Job Specific Accountabilities

Manage, develop and direct the Credit Risk function including Credit Analysis, assessment & approval, review, monitoring & control.
Review of credit proposals (new/additions/enhancements) submitted by POS Business Teams.
Ensure Credit processing and approval turnaround times are as per agreed SLA’s.
Evaluate and assess the credit risks involved in lending to POS clients.
Monitoring of overall Portfolio Quality including customer/group/industry/ concentration and reporting.
Enforce an effective monitoring system to ensure high quality of asset portfolio through early problem recognition, classification triggers, probing market checks etc.
Periodically review and re-evaluate the adequacy and effectiveness of the Bank’s credit Policies and procedures in Credit Risk Management.
Ensure compliance to Central Bank rules on per party/group exposure.
Effectively handle collaboration with Business Heads/ Product Heads (POS, Commercial, Corporates) in order to build up robust relationships, open communication channels, maximize synergies and opportunities.
Maintain liaison with IT department on various MIS issues related to credit.
Maintain liaison with Internal Audit on issues related to credit.
Facilitate audit activities and conclude negotiations with examiners / regulators on all credit audits.
Monitoring, tracking and follow up with Remedial / Recoveries Department for past dues and elevate the problem accounts to senior management.
Identify opportunities for continuous improvement of systems, process and practices cost reduction and productivity improvement.
Keep abreast of the different industries, local economy, regulatory changes in the business and POS market, trends, issues, challenges, and identify risk factors / impact in order to inform Head Credit and take necessary actions.
Attend training courses recommended by Senior Management.

Job Details

Date Posted: 2018-01-25
Job Location: Abu Dhabi, United Arab Emirates
Job Role: Finance and Investment
Company Industry: Banking

Preferred Candidate

Career Level: Mid Career

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AVP, Business Banking Credit, POS Financing – First Abu Dhabi Bank FAB

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