Senior Credit Control Officer

Role

Senior Credit Control Officer

Abu Dhabi, UAE

• Possess sound knowledge of Islamic financing structures, relevant Facility Agreements, and associated collateral/security documentation.
• Ensure accurate preparation of Facility and Security documents in line with approved terms and conditions, incorporating all approval stipulations.
• Prepare and review documentation in both English and Arabic in accordance with approved standard legal and Sharia-compliant templates.
• Undertake thorough review and validation of executed finance and security documents to confirm execution by duly authorized signatories in line with valid constitutional documents.
• Ensure timely registration and perfection of securities/collaterals with the relevant authorities, in compliance with Credit Risk Policy, procedures, CCD SOPs, and applicable legal and Sharia guidelines; safeguard the Bank’s interests by ensuring documentation enforce ability under UAE laws and regulations.
• Maintain and update facility limits, review/expiry dates, collateral records, and risk grades, including registration of movable assets (EIRC), and ensure accurate and timely updating monitoring and follow‑up trackers.

• Ensure all credit approvals are obtained strictly in line with the approved Delegation of Lending Authority (DLA).
• Prepare Facility Letters, Facility Agreements, and Security/Collateral documents on a bilingual basis (English and Arabic), ensuring the use of approved legal and Sharia templates and comprehensive incorporation of all approval terms and conditions.
• Conduct detailed review and vetting of executed Facility Agreements and Security/Collateral documents in compliance with Credit Risk Policies, CCD SOPs, standard process flows, and applicable legal and Sharia guidelines.
• Verify that all documents are duly executed by authorized signatories in accordance with valid constitutional documents and obtain required legal opinions (internal/external counsel) with signatures validated.
• Ensure timely registration of collaterals (as applicable), in line with applicable laws, jurisdictions, credit policies, CCD SOPs, and legal requirements.
• A sound understanding of reviewing and vetting documents executed by offshore entities or documents executed outside the UAE, ensuring legal, regulatory, and jurisdictional compliance.
• Maintain and update facility limits, collateral details, EIRC registrations, and risk grades in alignment with approved terms and executed documentation.
• Adhere strictly to CCD‑approved SLAs, ensuring efficiency and timely processing of all assigned activities with due diligence.
• Demonstrate the ability to multitask and contribute to CCD projects and initiatives.
• Support managers and team members in ensuring completion of all deliverables within prescribed turnaround times.
• Proactively contribute to strengthening controls, supporting process automation, simplification, and implementation of process improvements.
• Maintain professional and collaborative relationships with stakeholders including business, credit, risk, legal and Sharia, ensuring timely resolution of queries and effective communication.
• Ensure a sound understanding and learning of all product programmes and their respective process flows, in accordance with approved Shaia and product guidelines and standard documentation.
• Handle additional required tasks or assignments assigned by the line manager.

• A thorough understanding of Credit risk Policies, CCD/Credit administration functions and Facility structures.
• A thorough understanding of Islamic Banking Asset and liabilities products.
• Good understanding of technological issues with sound analytical ability and PC skills.
• Effective communication skills in English and Arabic.
• Ability to work independently with minimal supervision.

• 7 – 10 years of banking experience with 3+ years’ experience in credit documentation and operations.