Senior Credit Documentation Officer

ADIB - Abu Dhabi Islamic Bank; Abu Dhabi; On-site; AED 180,000 - 300,000; Full time

Job summary

ADIB - Abu Dhabi Islamic Bank in Abu Dhabi, UAE is seeking a Senior Credit Documentation Officer to act as the final check in limit approvals, ensuring documents, securities, and insurance are in order before disbursement.

You will prepare and review FOL/agreements, monitor risk ratings and expiry dates, support the Team Leader, and maintain SLA-driven customer service while safeguarding bank documentation.

Qualifications

• Understanding of bank policies and product knowledge.
• Knowledge of Islamic credit products.
• Strong analytical ability and PC skills.
• Fluent English communication; Arabic knowledge preferred.
• Ability to work independently with minimal supervision.

Responsibilities

• Ensure terms and conditions of credit approvals are complied with before disbursement.
• Prepare and review FOL/Agreements/Security documents for compliance with legal standards.
• Update systems with credit information such as risk rating, expiry dates and collateral details.
• Support Team Leader in implementing recommendations from Credit Review/Audit.
• Maintain SLA-driven customer service and timely release of facility limits.
• Log irregularities and deviations with required approvals in the exception report.
• Ensure safe custody of all credit and security documentation.

Skills

Credit policies

Islamic credit products

Analytical skills

English communication

Arabic knowledge (preferable)

Independent work

Tools

PC literacy

Job description

Role: Senior Credit Documentation Officer

Location: Abu Dhabi, UAE

Role Purpose

• The position acts as the last filter in the limit approval process where the exposures undertaken by the Bank of its customers are being reviewed and scrutinized for its adequacy /correctness in terms of approvals, adherence to Credit policies laid down in the Credit Policy, Product Manuals and department SOP’s, compliance to documentation standards in terms of security and facility agreements.
• To ensure that Bank is always protected with appropriate source documents, legally enforceable charge documentation / securities, duly assigned insurance policies and adequate underlying value of securities prior to feeding limits and are effectively controlled and monitored through a follow up system for routine actions.

Key accountabilities of the role

• 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 for the assigned segment. If not, specific waiver / deferral must be available on record.
• To prepare and review FOL/Agreements/Security documents to ensure compliance to legal standards, credit policies and approvals under the supervision of Team leader.
• Ensure timely update of all systems with credit related information such as Risk rating, Expiry dates and Collateral details.
• Assist the Team Leader in timely implementation of recommendations of Credit Review / Audit Department.
• Provide the best customer service to business partners and maintain turnaround time as per SLAs for handling and releasing facility limits.
• Provide assistance to the Manager in formulating and implementing SOP’s for the department.
• Support Team Leader in completion of assigned projects.
• Identify irregularities/deviation/exceptions and log them into the exception report after obtaining required approvals for tracking and monitoring purposes.
• Update activities in daily log.
• Ensuring adequate safe custody of all Credit and security documentation for assigned segment.
• Preparation of documentation checklist for all clients within the assigned segment.
• Process release of security requests after ensuring required approvals have been obtained and facilities have been settled.
• Act as a backup for Custodian for Custodian of security chubb keys.
• Report on customer exposure details to Central Bank
• Report overdue exceptions to business and Risk Managers monthly.

Specialist skills / technical knowledge required for this role

• A thorough understanding of Bank’s Policies and product knowledge.
• A thorough understanding of Islamic Credit Products.
• Good understanding of technological issues with sound analytical ability and PC skills.
• Effective communication skills in English and preferably knowledge in Arabic.
• Ability to work independently with minimal supervision.

Previous experience required (if any)

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