Unit Head
United Arab Bank
Total years of experience :20 years, 1 Months
Organize Control and overall Supervision of department to ensure the function of the department as per
procedure and policy .
• Area of work covers the entire Operational Function for disbursement & after sales activates of Retail Loans &
Mortgages.
• Responsible for designing .Implementing, operating and continuously improving the back office system and the
process.
• Ensure that the designated operations process and delivery platforms are managed efficiently with a high
degree of accuracy and timeliness to ensure repeatable and reliable customer experience.
• Oversee management & drive the efficiencies & effectiveness of Retail Credit Operations .
• Drive quality initiatives in all sub processes within all areas of functional responsibility through continuous
improvements in internal processes to maximize efficiencies.
• Collaborate with executive management to develop and implement plans for the operational structure of
systems, process, and personnel designed to accommodate rapid growth objectives .
• Identify and execute process re-engineering opportunities for best business practices, cost saving and improved
controls .
• Oversee continuous systems and performance enhancements by remaining abreast of new systems and upgrading
existing systems accordingly to ensure efficiency and superiority of systems used in UAB .
• Develop and maintain Retail Credit Operations policies and procedures.
• Arrange effective training for staff ensuring operational excellence at all levels within the unit.
• Aim to maximize productivity while ensuring efficient and high quality service.
• Ensure that processes are in compliance with anti-money laundering are in place.
• Timely update of MIS to the management.
• Maintain accuracy and completeness of Month End Reconciliation and Balancing of all the related Suspense / GL
Accounts etc., with records duly signed and properly maintained.
• Provide feedback on performance of direct reporter to Head of Credit Operations and discuss performance .
Ensure that all Deals /Transactions are within the approved limits.
• Ensure accuracy and completeness of support documents as per SOP.
• Ensure accurate processing of Transactions as per agreed SLA.
• Monitor proper and complete filing and updating of all records at all times enabling easy retrievals from the Archives.
• Maintain accuracy and completeness of month end reconciliation and Balancing of all the related Suspense / GL
Accounts etc., with records duly signed and properly maintained.
• To explore areas that could be automated to improve efficiency and response time.
• To provide feedback on performance of direct reporters to Sub - Unit Head and discuss performance improvement.
• To ensure business confidentiality of products and processes.
Ensure that all Auto Finance Deals / Transactions are executed as per agreed SOP and SLA
• Check, Verify and Sign vouchers requisitions to execute the transactions.
• Ensure correct MIS is being prepared and provided to Management on an agreed frequency and statuary reporting
adhered to as required.
• Provide feedback on performance of direct reporters to Line Manger and discuss performance improvement.
• Provide Operational support to Branches and Direct Sale in achieving their targets.
• Support Business Channels and Sales in their Auto Finance portfolio.
Handling the Loans & financing process (Retail Loans (PL, AL& HL ) ) and Corporate loans ( Direct loans and
syndicated loans ) for Gulf countries ( UAE, QATAR, Bahrain & YEMEN ) .
• Supervising the loan pay off procedures in coordination with the retail department and credit admin department
for corporate loans.
• Coordinating the Loan Officer's Data Entry level & Section Head to ensure efficient Loans processing in all phases of
the Loans transactions.
• Assist/Lead projects and other duties as designated by the Loans Operations Manager.
• Assisting in the setting up process of the Departments goals & objectives.
• Handling reconciliation daily & monthly report.
• Generating loans monthly M.I.S. reports.
• Responsible for assisting in supervising, motivating, counseling, and evaluating the performance of staff members.
• Assist with training various Operations staff.
Handling the Loans & financing process. Retail loans (PL, AL & HL ).
• Checking the loan entry process performed by the data entry team.
• Setting up the Standing orders concerning housing property finances.
• Authorizing loans disbursals.
• Supervising the account opening process.
• Supervising the ATM Cards entry process performed by the data entry team and grant approval.
• Supervising Internet Banking & Phone Banking entries process performed by data entry team and grant
approval.
• Generating end of date reports.
Supervising the Credit Card Process performed by the data entry team and grant the approval.
• Supervising the Debit Card process performed by the data entry team and grant the approval.
• Charge back process.
• Reconciliation ATM process.
Loans Disbursal Data Entry Level (PL, Al & HL).
• Account opening process.
• Fix Deposit.
• Internet banking process.
• Phone Banking process.
• SMS Service process.
• Credit Card Issuance Process.
• ATM Cards Issuance Process.
• Central Bank. (Court cases).
• Salaries and internal transfers through Central Bank.
Special Projects
• United Arab Bank - Lead the roll-out of the new system (Retail lending operation system)
• Dubai Islamic Bank - Lead the roll-out of the Finn one system for Auto finance operation.
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