Bank Officer
Arab Bank
مجموع سنوات الخبرة :8 years, 10 أشهر
ARAB BANK as a Bank Officer in credit Administration Department
Credit Administration” is the function at Head Office (H.O.) or the country
Which is responsible for ensuring compliance with credit guidelines, policies,
Quality standards and regulatory requirements, proper management of credit
documentation and security inventory, management of credit limits,
reporting and monitoring portfolio trends and developments as well as
ensuring that the required levels of control are in place.
Basically we are managing Five products (Home Loan, Personal Loan, Auto Loan, Cash to Cash Loan & credit cards). Studying case by case and giving final approval before sending for disbursal.
Responsibilities:
• Handling MIS report & portfolio for all facilities given to the clients and managing the policy with delegations and approvals for high risk cases.
• Full checking for home loan cases as financial and documentation wise and make sure that all the approvals given within the limit.
• Follow up and update home loan insurance and make sure to update the system to charge the customers the correct rates for different cases.
• Revising the rates given by central bank (EIBOR) and update it with our rates accordingly to make sure that all the charges is calculated as agreed in the contracts with our customers.
• checking the Debit Burden Ratio (DBR) calculation before proceeding with loan disbursal to meet central bank regulations.
• Follow up with RTA and AUH police regarding the vehicle mortgage system to make the process easier for our customers.
• Finalizing the home loans for buyout cases and make sure that we have charged the customer all his liabilities from insurance to early settlement fees before handing over his original documents and closing the loan.
• Liaising with the branches for different requests to meet customer satisfaction.
• Checking day by day personal loan, auto loan, cash to cash loan and credit cards request and giving final approval to disburse the money in customer account.
• Managing and placing holds on accounts for special cases to avoid any risk which affect our bank.