AVP & Manager Legal
Union National Bank
مجموع سنوات الخبرة :24 years, 9 أشهر
May 2007 Till now: Legal Manager - Legal Department/Union National Bank Abu Dhabi
➢ Carryout comprehensive recovery functionalities from start - to - end i.e. identification of risk, customer contact, negotiation, proposal for settlement / regularization / rescheduling and effective solutions to all accounts under a given portfolio .
➢ Review ongoing cases and advice management accordingly.
➢ Wherever applicable, recommend initiating travel ban, criminal and civil action with a view to safeguard bank interest. Continued follow-up on these cases.
➢ Provide periodic feedback and recommendation on performance product features and market developments with a view to curtail potential risk.
➢ Periodic visits to the External Lawyers to establish / build relationships to expedite enforcements of internal actions / court rulings etc.
➢ Provide guidance the all Bank’s departments in order to effectively achieve overall objectives and targets.
➢ Recommend course of actions including lodging of civil/criminal cases where default continues.
➢ Maintain close links with the police authorities.
➢ Recommend Open criminal action and civil suits.
➢ Recommend Release the criminal / civil suits already filed against customers.
➢ Agree on a rebate / deduction to be extended in case if short settlements.
➢ Representing the Bank for all legal issues, submitting cases, at Attorney General offices, at all courts and police stations
➢ Attending Experts meetings.
➢ Handling Arbitration cases, and representing the Banks on the same.
➢ Dealing with INTRPOL to collect bank's amount out side the country.
➢ Review and drafting customers' agreements & Contracts. “Corporate, retail ".
➢ Review And drafting Islamic finance agreements such as “Murabaha and Ijarah Monthia Beltamleek” and Trade facilities in addition to Real Estate services “Al Wifaq Islamic Finance” with coordination with Dar Al Shareia Islamic Company.
➢ Reviewing, drafting of documentation relating to corporate and banking facility agreements, finance security documents, and commercial arrangements including, but not limited to, credit facility agreements, pledge and mortgage agreements, services agreements, syndication agreements, escrow trust account agreements, supply agreements, joint venture agreements, shareholders agreements, articles of association, all types of letters of credit, bonds and guarantees, pursuant to Loan Market Association or other internationally accepted standards, as may be relevant and applicable.
➢ Prepare, review and modify contractual instruments to assist and support various business activities.
➢ Advising on legal and regulatory matters pertaining to the Bank with respect to central bank and other governmental authorities (Central Bank, Real Estate Regulatory Authority, Emirates Securities and Commodities Authority) local agencies and public authorities.
➢ Liaise with relevant departments to ensure that where legal risks have been identified, appropriate courses of action have been taken.
➢ Keeping abreast of all legal developments and other official practices and procedures in Dubai and the jurisdictions of other Emirates on a continuing basis, reviewing legal manuals and reports, court judgments and amendments to various statutes and legislation, promulgation of new laws, regulations, presidential and ministerial decrees, by-laws and relevant orders.
➢ Manage and protect the Bank's interest and legal risks involved in all third-parties.
➢ Provide legal protection and risk management advice to management especially on corporate credit documentation and provide legal vetting of security documentation.
➢ Liaise with UAE courts, police and other government entities.
➢ Review of governmental procurement regulations.
➢ Manage litigation by/against the Bank, and liaise with external lawyers, in particular, appointing and
➢ Instructing external lawyers, attending meetings with court-appointed experts, following up on cases and review pleadings and submissions.
➢ Give Legal advises to all Branches & Departments in the Bank.
➢ Review and provide legal advice on tender documents.
➢ Undertake any other duties as required by the division from time to time.
1999 2007: Legal Researcher & In charge - Legal Issues & Contracts
Ministry of Justice, Islamic Affairs and Endowments (Islamic Affairs Sector), Legal Affairs Section (General Endowments Authority) Abu Dhabi - UAE;
➢ Member of the stocktaking committee.
➢ Member of the committee for receiving Endowments properties
➢ Member of the committee for rent assessment for the commercial buildings of the Endowments.
➢ Member of Tenders committee
➢ Preparation of all Legal Contracts for Endowments affairs
➢ Representing the General Endowments Authority for all legal issues, submitting cases, at Attorney General Offices, at all courts and police stations.
➢ Receipt of all Endowments properties
➢ Personnel Affairs section
➢ Power of Attorney from the Minister of Justice, Islamic Affairs & Endowments to receive cheque books from banks, receipt of refer-to-drawer cheques (R/D), receipt of statement of account and inquiry about balance of account and Banking cases .
➢ Secretary for the Assistant Secretary General of the General Endowments Authority
➢ In charge of following up of all the buildings and legal contracts of the Authority in the Northern Emirates.
➢ Drafting and follow up all ministry's contracts.
➢ Determinate of the Sharaia Committee of the General Endowments Authority
➢ In charge of the Legal Affairs (Endowments assets)
1996 - 1997: Solicitors Office, Khartoum, Sudan:
➢ Worked on all criminals, sharaia and civil cases and attended cases at all court.
1995 - 1996 Attorney General Office, Khartoum North, Sudan:
➢ All legal duties: investigations, prosecution, and attendance of court hearing at all criminal, sharaia and civil courts. Acceptance of cases and claims. Performing all the duties of the Attorney General.
Member
➢ Legislation Consulting Association - EGYPT -, "Financial & Legal Expert".
Courses
➢ Team Building Course.
➢ Orientation Course.
➢ Anti Money Laundering: Law, Regulations & Best Practices
➢ Banking Law For Retail Bankers.
➢ Financial Crimes.
➢ Stress - You are in Control.
➢ Dealing with Irate Customers.
Languages
➢ Arabic (Mother Language).
➢ English, Spoken, Writing & Reading.
Computer Knowledge
➢ Introduction & operations all Windows
➢ Excel
➢ Word (advanced)
➢ Power Point
➢ Internet Explorer
➢ ICDL License.
Core Competencies:
➢ Make decisions through weighing up the cost-benefit and risk implications. Act entrepreneurially to make performance gain.
➢ Determined despite frequent obstacles. Tackles difficult problems and takes personal responsibility for reaching solutions.
➢ Undertake complex analysis and trace performance implications through complex data, or in dealing with complex situations.
➢ Always work closely with customers, developing an independent view of their needs and acting in their long- term interest.
➢ Demand high performance or results from others by setting example. Monitor performance against clear standards or deadlines, providing appropriate feedback when required.
➢ Draw and accumulate lessons from different cultures, experience and challenges to develop self-knowledge and insight; demonstrate the ability to tackle the unfamiliar or unforeseen creatively and productively to achieve business objectives.
➢ Give other Speak out for a course of action even when others disagree. Take significant personal or professional risks to accomplish important goals. Challenge others with respect.
➢ Maintain and develop a range of contacts.
➢ Identify and builds relationships with those who will be useful now and in the future in achieving the organization’s Strategic Objectives.
➢ Know and acknowledge strengths, limitations and preferences.
➢ Understand how feelings and emotions may impact on performance and control emotions to minimize negative impact. Maintain a sense of humor and stay calm, even in trying moments.
➢ Proactively share information and learning with colleagues. Address conflicts or issues within the team in a positive and open manner. Provide clear feedback to team members.
➢ Build diversity issues into strategic planning.
Skills
➢ Good understanding of local banking / econmic / legal factors and business environment
➢ Negotiation skills.
References
➢ Upon request.
Direct Line Manager
➢ Head Of Legal Department.
Others
➢ All certificates & other related documents are available on request.
➢ Holding valid UAE Residency
➢ Holding valid UAE Driving License.
- Handling legal department advises.
- In-charge of the litigation unit.
- Review Company agreements .
- Handling Legal Department advices.
- In-charge in litigation unit.
- Review and draft company agreements.
•Member of the stocktaking committee.
•Member of the committee for receiving Endownment properties
•Member of the committee for rent assessment for the commercial buildings of the Endownments
•Member of Tenders committee
•Preparation of all Legal Contracts for Endownments affairs
•Representing the General Endownments Authority for all legal issues, submitting cases, at Attorney General offices, at all courts and police stations.
•Receipt of all Endownments properties
•Personnel Affairs section
•Power of Attorney from the Minister of Justice, Islamic Affairs & Endownments to receive cheque books from banks, receipt of refer-to-drawer cheques (R/D), receipt of statement of account and inquiry about balance of account and Banking cases .
•Secretary for the Assistant Secretary General of the General Endownments Authority
•In charge of following up of all the buildings and legal contracts of the Authority in the Northern Emirates.
•Secretary of the Sharaia Committee of the General Endownments Authority
Master in Law
Master in law