Specialist, Credit Control; Emiratized

Job Purpose

The role is responsible for managing credit limits relating to credit facilities and guiding the team members in the day-to-day transactions with respect to limit encoding and control. The incumbent ensures that the team complies with the approved terms and adheres to the policies, processes and procedures of FAB Head Office, representative offices, international branches and regulators.

• Authorize, process, encode credit limits and ensure accurate detailing into the bank’s systems along with maintenance of banks and country limits as per credit approvals.
• Authorize, process and prepare day‑to‑day transactions – loan memos, processing tickets, PPC discounting/settlements, SVC, etc.
• Authorize, process memos for provisioning of accounts, customer grade changes, suspension of interest and passing relevant write‑off entries.
• Authorize, process limits for approvals received from Credit for Initial CA / Annual Review / Extension Memo / Interim & Administrative Memo.
• Authorize, process bulk upload for limit extensions for corporate, PCG, investment banking clients and FI limits.
• Authorize, process downgrade, upgrade of counter parties in system and central bank as per Credit approval.
• Authorize, process and prepare monthly reports such as CBRB mismatch report and mismatch in ORR between credit application and GLCMS.
• Authorize, process RB code in both systems GLCMS and T24 and give confirmation to stakeholders on limits before closing of account.
• Ensure 100% satisfaction rating by internal customers by providing superior service quality, managing internal customer relationships and addressing queries and exceptions efficiently.
• Authorize/prepare liability/no‑liability certificates and letters.
• Ensure timely response to service and support requests, queries, escalations and deficiency reports.
• Stay abreast of the latest developments and regulations by the UAE Central Bank, other legal entities and corporate credit guidelines.
• Ensure adherence to published SOPs, SLAs and understanding of relevant products, procedures and delegates of authority of the bank.
• Support team leaders in distributing work and ensuring smooth flow of day‑to‑day transactions.
• Assist team leaders in monitoring work submission channels and ensuring task completion and stakeholder updates.
• Authorize/prepare instruction memos to loan operations for disbursement, changes in repayment, settlements, maintenance and collection of various fees, etc.
• Authorize/prepare instruction memos to client service team for release of excess margin held against facilities as per approved terms.
• Authorize/prepare instruction memos for amendment of interest rates of overdraft pricing linked to fixed deposits, deferring loan instalments, extending loan maturity, etc.
• Authorize, process, encode bank and country limits as per approval.
• Authorize, process upload of interest rate codes in bank systems.
• Prepare various reports as and when requested by HO‑CCU & Sanction/HO‑CAD/Senior Management.
• Undertake special projects/assignments as requested by line manager/HO‑CCU & Sanction/HO‑CAD/Senior Management.
• Report KRIs and operational loss incidents in a timely manner.
• Engage proactively with key stakeholders and ensure operational continuity without any process breach.
• Recognize and highlight process enhancement opportunities.
• Provide guidance and on‑the‑job training for staff, conduct knowledge sharing sessions and monitor team performance.
• Ascertain adequate training of team members.
• Ensure adequate back‑ups for self and team members during leave periods.
• Timely archiving of transactional documents as per unit’s process.
• Maximize available manpower to meet business deliverables.

• Policies, Systems, Processes & Procedures
• Continuous Improvement
• Reporting

Follow all relevant departmental policies, processes, SOPs and instructions so that work is carried out in a controlled and consistent manner. Demonstrate compliance with the organization’s values and ethics at all times to support a value‑driven culture within the bank. Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes and…