collections & recoveries officer
national bank of abu dhabi
Total years of experience :14 years, 5 Months
Implement collection/recovery plans to achieve the monthly individual/ team targets. Make outbound calls in line with daily call targets assigned by team leader and ensure that deadline dates for calls and follow ups are actioned Contact and negotiate with defaulters by phone calls, meeting, field visit and emails to recover past dues or reaching settlements and update all information in NBAD collection system. Follow up with employers for customer’s employment status, delay or no salary transfer/ESOB and follow up new documents, salary transfers. Send collection standard letters/ SMS/ emails to defaulters in line with agreed policy and procedure. Review collection MIS on daily basis to measure own effectiveness, productivity & efficiency, making the same if required. Ensure implementation of compliance and control measures in order to protect the organization’s interest. Recommend new ideas / suggestions to enhance the operational performance / efficiency and work flow. Sustain customer relationship with organization (wherever appropriate) in order to retain customers and project a professional image of the bank. Undertake any other duties as required by the unit management from time to time in a responsible manner. Handle walk-in customers/ field visit on daily basis when needed. Analyze delinquent accounts and prepare report on highest risk accounts including recommendations for resolution. Interact with customers to obtain additional credit information to support credit lines. Reconcile transactions and balances to maintain accurate accounts. Initiate credits and adjustments to customer accounts within bank policy limits Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents Submit requests to senior management and supporting documentation for accounts requiring restructure Identify problem accounts and provide regular updates of receivables to management Identify accounts requiring collection agency or legal action and coordinate collections with third party Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate Train new joiners and create guidelines / plans for the monthly allocation Handling various type of products mainly home finance / mortgages.
• Entering the data and updating the data to the mega file for all classified accounts for the respective branches which comprises a lot of information of the customers • Accuracy of information been updated on Mega file to be cross verified with the data available, if required to approach the in charge for clarifications • Prepare and Maintain file list, code them with details for all the branches assigned. • Maintaining record on cases been written off, normalized, settled, allocated to local agencies, and tokenized. • Responsible for colleague’s duties or deliverables during their absence. • Preparing of RACNP1 reports, Memorandum Settlement as advised by officers. Preparing sanctions for signature of AVP and HO-RA. • Maintain dairy system for all the cases allocated in order to maintain regular renewals and follow ups. • Maintain the documentation process by recording them in appropriate files. • Update the statuses on Expired sanction list to avail a summarized list of cases pending for renewals. • Liaise with Officers with high level of co-ordination in order to complete the tasks in the given time. • Responsible for managing the procurement of stationery, office supplies or furniture as per the requirements / instructions.
• Assist in receiving and evaluation tenant’s requests and coordinating with maintenance contractors to attend and resolve request. • Ensure that any maintenance work has being carried out to both Landlords and Tenants satisfaction. • Compiling and updating a detailed maintenance register for all contractors and arranging quarterly performance. • Making sure all properties are equipped with ADNP sign board. • Assisting with the preparation of building condition reports. • Prepare any information on outstanding maintenance requests that have been issued and where the contractor has submitted his invoices. • Processing contract renewals with maintenance companies. • Processing and updating payments' invoices by PMS (Property Management System). • Typing up memos and tenders and issuing. • Receiving cheques from finance and arranging payments with contractors. • General filling. • Answering all phones for all maintenance requests and updates maintenance complaints registers and communicate these request with the maintenance engineers. • Assisting in renewing annual maintenance contract of the managed properties and ensure the renewal of the same on the expiry date. • Preparing monthly KPI report and monthly report for maintenance department.
• Preparing summary reports on buildings. • Preparing quotations and tenancy contracts (Arabic & English). • Writing due official letters. • Arranging and managing daily schedule for the Property Manager. • Following up with the other departments with reports regarding insurance payments, watchman salary, electricity and water payments, legal cases etc. • Responsible for managing the procurement of stationery, office supplies or furniture as per the requirements / instructions.