Senior Credit Control Officer

ADIB - Abu Dhabi Islamic Bank; Abu Dhabi; On-site; AED 240,000 - 360,000; Full time

Job summary

ADIB - Abu Dhabi Islamic Bank in Abu Dhabi, UAE, seeks a Senior Credit Control Officer to manage Islamic lending documentation, ensure accurate facility and collateral paperwork, and verify signatories and legal opinions. The role covers bilingual English/Arabic documentation and strict adherence to Sharia guidelines.

Responsibilities include maintaining collateral records, risk grades, and timely registrations, while collaborating with credit, risk, legal and Sharia teams to safeguard the

Qualifications

• Understanding of Credit risk policies and CCD/Credit administration functions.
• Understanding of Islamic Banking asset and liability products.
• Strong analytical ability with solid PC skills.
• Effective communication skills in English and Arabic.
• Ability to work independently with minimal supervision.

Responsibilities

• Ensure credit approvals align with the Delegation of Lending Authority.
• Prepare and review Facility and Security documents bilingually.
• Vet executed Facility Agreements and Security documents per policies and Sharia guidelines.
• Ensure timely registration/perfection of collaterals per laws and CCD SOPs.
• Maintain facility limits, collateral records and risk grades.
• Collaborate with stakeholders across business, risk, legal and Sharia.
• Support process improvements and automation initiatives.
• Handle offshore/cross-border documents per jurisdiction.

Skills

Credit risk policies & CCD

Credit administration & facility

Islamic banking products

Tech proficiency & analytics

English & Arabic bilingual

Independent work capability

Job description

Job Description:

Role: Senior Credit Control Officer

Location: Abu Dhabi, UAE

Role purpose:

• Possess sound knowledge of Islamic financing structures, relevant Facility Agreements, and associated collateral/security documentation.




• Ensure accurate preparation of Facility and Security documents in line with approved terms and conditions, incorporating all approval stipulations.




• Prepare and review documentation in both English and Arabic in accordance with approved standard legal and Sharia-compliant templates.




• Undertake thorough review and validation of executed finance and security documents to confirm execution by duly authorized signatories in line with valid constitutional documents.




• Ensure timely registration and perfection of securities/collaterals with the relevant authorities, in compliance with Credit Risk Policy, procedures, CCD SOPs, and applicable legal and Sharia guidelines. Safeguard the Bank’s interests by ensuring documentation enforceability under UAE laws and regulations.




• Maintain and update facility limits, review/expiry dates, collateral records, and risk grades, including registration of movable assets (EIRC), and ensure accurate and timely updating monitoring and follow-up trackers.

Key accountabilities of the role:

• Ensure all credit approvals are obtained strictly in line with the approved Delegation of Lending Authority (DLA).




• Prepare Facility Letters, Facility Agreements, and Security/Collateral documents on a bilingual basis (English and Arabic), ensuring the use of approved legal and Sharia templates and comprehensive incorporation of all approval terms and conditions.




• Conduct detailed review and vetting of executed Facility Agreements and Security/Collateral documents in compliance with Credit Risk Policies, CCD SOPs, standard process flows, and applicable legal and Sharia guidelines.




• Verify that all documents are duly executed by authorized signatories in accordance with valid constitutional documents and ensure that required legal opinions (internal/external counsel) are obtained and signatures are appropriately validated.




• Ensure timely registration of collaterals (as applicable), and in line with applicable laws, jurisdictions, credit policies, CCD SOPs, and legal requirements.




• A sound understanding of reviewing and vetting documents executed by offshore entities or documents executed outside the UAE, ensuring compliance with applicable legal, regulatory, and jurisdictional requirements.




• Maintain and update facility limits, collateral details, EIRC registrations, and risk grades in alignment with approved terms and executed documentation.




• Adhere strictly to CCD-approved SLAs, ensuring efficiency, controlled, and timely processing of all assigned activities with due diligence.




• Demonstrate the ability to multitask and actively contribute to CCD projects and initiatives.




• Support managers and team members in ensuring completion of all deliverables within prescribed turnaround times.




• Proactively contributes to strengthening controls, supporting process automation, simplification, and participating in the implementation of process improvements.




• Maintain professional and collaborative relationships with stakeholders including business, credit, risk, legal and Sharia, ensuring timely resolution of queries and effective communication.




• Ensure a sound understanding and learning of all product programs and their respective process flows, in accordance with approved Shaia and product guidelines and standard documentation.




• Handling additional required task or assignment assigned by the line manager.

Specialist skills / technical knowledge required for this role:

• A thorough understanding of Credit risk Policies, CCD/ Credit administration functions and Facility structures.




• A thorough understanding of Islamic Banking Asset and liabilities products




• Good understanding of technological issues with sound analytical ability and PC skills.




• Effective communication skills in English and Arabic.




• Ability to work independently with minimal supervision.

Previous experience:

• 7 – 10 years of banking experience with 3+ years’ experience in credit documentation and operations.