Senior Officer - Central Credit Administration

National Bank of Fujairah; Dubai; On-site; AED 60,000 - 120,000; Full time

Job summary

A leading bank in Dubai is seeking experienced professionals for a key role in banking operations. The candidate will oversee mortgage registration processes, ensure compliance with regulations, and maintain customer confidentiality. Ideal applicants will have a relevant degree and prior experience in banking operations, coupled with strong communication skills in both Arabic and English.

Qualifications

• 3 years prior experience in banking operations.
• Minimum 2 years experience in Credit Administration.

Responsibilities

• Review and verify customers documents for mortgage registration.
• Supervise day-to-day operations including authorizing limit modifications.
• Coordinate timely mortgage submissions with various authorities.

Skills

Excellent communication skills

Excellent command in Arabic and English

Education

Bachelor degree in a business-related field

Job description

Job purpose:

CCA team provides support function to various business units within the bank.

Responsible for reviewing & authorizing all system inputs and supervising the daily work among sub-divisions staff to ensure that various functions are completed accurately as per the SOP (Standard Operating Procedures) and within the predefined timelines.

Duties and responsibilities:

• Review and verify customers documents once received for mortgage registration.
• Coordinate with valuators, trustees, and land departments to facilitate timely mortgage submission and execution.
• Maintain accurate and complete documentation throughout the mortgage process.
• Ensure timely submission and follow-up on mortgage registration requests with all authorities/ municipalities.
• Protect customers data and ensure confidentiality in handling all mortgage-related documents.
• Good understanding for credit administration functions.
• Active and ready to visit all municipalities in all emirates.
• Driving license and car owner is a must.
• Teamwork plyer, and ready to support all other functions within the department.
• Supervising the day-to-day operations including but not limited to authorizing limit activations/modifications, customer risk ratings updates, Interest rates at limits and account levels modifications, special tariff codes ,customer attributes updates for conditions and related parties, linking & delinking of collaterals on Collateral module, admin extension date, limits blocking/sub allocation, collecting the facility arrangements fees, Issuing balances confirmations and Liability/no liability Certificates, debiting the balance Confirmation charges, other certificates/letters charges and EOL charges, reversal transactions, renegotiation flags for classified clients, linking & de-linking companies under grouping structure.
• Issuing Credit reports to other banks & responding to Credit inquiries from other banks.
• Supervising the progress of the security documents scanning & authorizing the documents into the Electronic Documents Management System (EDMS), removing and lodgment for the security documents and releasing security documents maintained under CCA custody.
• Updating system for time driven collaterals (Insurance, SBLC/FG, Mortgages, etc.)
• Central Bank Reporting for classification, Limits, securities and Funded/Unfunded balances.

Qualifications:

• Bachelor degree in a business-related field or equivalent (e.g. Finance, Banking, Accountancy, Business, Economics, etc.)

Experience:

• A minimum 3 year’s prior experience in banking operations with a minimum experience in Credit Administration of 2 years.

Specialist Skills/Competencies Required for the Role

• Excellent communication skills
• Excellent command in Arabic and English language