Senior Credit Administration Officer (Retails & Corporate)
Ajman Bank PJSC
Total years of experience :13 years, 1 Months
Adhered to the policy, ensured regulatory compliance and offered options to mitigate any risks the bank could be exposed to.
Check the authenticity and validity of documentation submitted effectively ensured all financial and non-financial parameters are adhered.
Assessed creditworthiness of applicant, analyzed bank statements to identify regular income, returned cheques, liabilities/outstanding, repayment behavior & approve or reject the case based on merits
Review of Home Finance approvals & receiving of the original Credit files.
Preparation of Pre-Approval / Facility Offer Letter and Sharia Agreements.
Management MIS for accessing (Monthly Exception Report and Bank Reporting Forms and others as per management).
Ensure & Review of documentation and risk coverage prior issuance of Manager’s Cheque and disbursement.
Following up with Real Estate Department for the buyout and transfers.
Ensuring adherence to Bank compliance and lending policies and procedures.
Regular updating of records for of the settled properties.
Budgeting & Cost effective.
Business expansion planning.
Market Analysis & maintain market competitive survey.
Coordinating with sales & other cross functional units.
Initiating the proposal of Sales campaign for business development.
Prepare presentations for upcoming launches.
Coordinating with Mortgage broker & Developers - liaison with Ajman Bank.
Assist to Head of Secured Product on Development.
Listing of properties.
Follow up calls with clients.
Coordinated viewing and assisted head of sales for closures.
Maintained periodic analysis on employee attendance, discussed with employee lacking consistency and liaised with line managers, handled staff recognition plan of employees.
Conducted Interviews, worked closely with the Senior HR Manager on the compensation survey, Liaised with recruitment/outsourcing agencies, and ensured hiring within the manpower plan.
Coordinated with PRO for new visas & renewals.
Developed plan for the training and implementation of new procedures & planned training modules with external institutions for in-house training session.
Initiated existing employees’ re-induction to new management, organizational chart & job descriptions.
Listing of properties.
Follow up calls with clients.
Coordinated viewing and assisted head of sales for closures.
Leasing and Maintenance of the properties.
Management MIS for accessing.
Developed new competency frameworks for recruitment, prepared advertisements for vacancies, pre-screened CVs before interview for suitability and conducted interviews & sourced applicants.
Ensured completing proper steps for efficient on-boarding & conducted follow up sessions for new hires, conducted Exit Interviews for departing colleagues and prepare report.
Medical insurance, managed employees insurance renewal process, sorted out outstanding payment issues.
Conducted Interviews, worked closely with the Senior HR Manager on the compensation survey, Liaised with recruitment/outsourcing agencies, and ensured hiring within the manpower plan.
Coordinated with PRO for new visas & renewals.
Involved in planning and implementing the Oracle HRMIS system, developed, maintained and updated organization charts of all departments.
Developed plan for the training and implementation of new procedures & planned training modules with external institutions for in-house training session.
Coordinated with various departments to determine gap analysis with regards to skills and knowledge.
Initiated existing employees’ re-induction to new management, organizational chart & job descriptions.
Developed new competency frameworks for recruitment, prepared advertisements for vacancies, pre-screened CVs before interview for suitability and conducted interviews & sourced applicants.
Ensured completing proper steps for efficient on-boarding & conducted follow up sessions for new hires, conducted Exit Interviews for departing colleagues and prepare report.
Medical insurance, managed employees insurance renewal process, sorted out outstanding payment issues.
Conducted Interviews, worked closely with the Senior HR Manager on the compensation survey, Liaised with recruitment/outsourcing agencies, and ensured hiring within the manpower plan.
Coordinated with PRO for new visas & renewals.
Involved in planning and implementing the Oracle HRMIS system, developed, maintained and updated organization charts of all departments.
Developed plan for the training and implementation of new procedures & planned training modules with external institutions for in-house training session.
Coordinated with various departments to determine gap analysis with regards to skills and knowledge.
Initiated existing employees’ re-induction to new management, organizational chart & job descriptions.
Review of Home Finance approvals & receiving of the original Credit files.
Preparation of Pre-Approval / Facility Offer Letter and Sharia Agreements.
Management MIS for accessing (Monthly Exception Report and Bank Reporting Forms and others as per management).
Ensure & Review of documentation and risk coverage prior issuance of Manager’s Cheque and disbursement.
Following up with Real Estate Department for the buyout and transfers.
Ensuring adherence to Bank compliance and lending policies and procedures.
Regular updating of records for of the settled properties.
Credit initiation - Cards, involved in data entry, follow ups with retail credit.
Execution of the approval and delivery to client.