AVP- Credit Administration

• Ensure that credit approvals are signed by the approved delegated credit authority.
• Prepare and Review standard & non-standard documentation, Security related documents, Internal & External legal opinions and other condition precedent documents, etc. in compliance with sanctioned credit approvals.
• Ensure all security / support documents have been properly executed, signatures are verified and authenticities of the signatories are supported by resolution / POA.
• Coordinate with Product Specialists / Coverage / Credit / Group Legal as required in order to complete the documentation process prior to release of facility limits in the System.
• Ensure approval from relevant authorities is held for deferrals/ waiver of any incomplete documents.
• Ensure rectification of existing discrepancies / deficiencies (if any) in documentation.
• Review and circulate documentation deficiency (expired / deferred documents) reports and following up for its timely submission / renewal.
• Lodge and maintain up to date security documents / collaterals in the Bank's system.
• Ensure rectification of existing discrepancies / deficiencies in security documentation for all loans which have been disbursed.
• Perform periodical clean-up of old and obsolete security documents to keep updated / valid security documents in the security folder.
• Ensuring security creation and perfection of charges by filing the respective forms with relevant authorities such as Registrar of Companies, CERSAI, etc.
• Verify and confirm periodically at the renewal of credit facilities, all required security / support documents are physically held in (dual) safe custody.
• Ensure all security documents are kept safe in the vaults and a checklist maintained in the Credit file.
• Review / verify approvals obtained for permanent release of collaterals, security documentation and ensure there are no liabilities / outstanding and facilities are cancelled.
• Upon completion of documentation requirements and CP satisfaction, to release credit facilities in the Bank's system.
• Review stock statements to derive availability of drawing power.
• Exchange of Information with other lenders as per the format and frequencies prescribed by RBI.
• Managing external vendors in line with regulatory requirements.
• Prepare / Review of standard operating process related to CAD processes, in line with Head office and in-country regulations.

• Ensure limit are correctly setup and activated in the system in line with approved product types, terms & conditions, rate structure, fees & any other special instructions.
• Carryout monthly activities such as review of limits in GLCMS, deferring loan instalments or extending loan maturity date.
• Prepare Monthly Activity Report illustrating the total volume of transactions processed.

• Ensure integrating accurate and timely internal and regulatory reporting.
• Ensure comprehensive MIS and corporate databases to deliver relevant information through reports to facilitate timely, informed and focussed business decisions.
• Prepare and disseminate reports relating to collateral, documentation deficiencies and any other associated reports.
• Collaborating with IT on system enhancements as and when requirements.
• Deliver on any other reports requested by CAD-HO and management.
• Managing of ADHOC projects.

• Minimum Bachelor's degree with about 8-10 years of banking experience including credit and risk management.
• Professional / legal qualifications will be an added advantage.
• Excellent communication skills in English, written and verbal.
• Strong interpersonal skills for effective interaction with external and internal stakeholders.
• Good Analytical Skills.
• Ability to develop and implement control measures to mitigate any risks associated with the process and to build operational efficiencies.

First Abu Dhabi Bank