Main Task and Responsibilities:
 Principal Accountabilities Main Tasks
Ø Portfolio Monitoring,

Managing the Portfolio of 500 Commercial Clients for 3 Relationship Managers and Assist Product Managers in developing products for Commercial banking with proactive action for timely review of portfolio tagged RMs
Compilation of data from various sources into excel for daily monitoring
Provide analysis of the Commercial Banking product portfolio, recommend improvements and areas of concern
Undertake daily product portfolio health check
Client follow for rectification of breaches from set product parameters
Analysis of clients financials and Banks statement analysis
Complete preparation of Post Sanction memos, service requests, credit application with relevant documentation (as per check list) for submission to credit / CAD/ other support teams
Fulfilling upsell and cross-sell for clients.
To monitor accounts (i.e. cash flows, repayments, account behaviour, compliance with covenants stipulated in the terms of approval) and ensure that portfolio is within the acceptable credit & compliance standards

 Ø  House Keeping

Timely updating of client expired documents
Ensuring latest client documents are submitted, uploaded and available on relevant internal systems (EDLR, EDMS, and WMS etc.)
Update the latest status of the RM’s pipeline reports and Ensuring timely reviews and renewals

Ø  Internal relationships –

Maintaining cordial and healthy internal relationships with departments such as CPD, SME CAD, SME Credit, TFO etc. with the objective of ensuring smooth processing of client transactions and regular follow-ups on pending matters. Prompt response to queries raised by these departments.
Cordial healthy relationships with Vigilance and Compliance team for High Risks Customers, obtaining approvals from Vigilance and Compliance team or from Segment Head Commercial for all increased risk customer based on Nationality or Nature of Business Etc.

 Ø  Services And Maintenance: 

Collecting & Verifying of forms & various documents required for the Account opening & change of company names or owner name in the  accounts
Checking & verification of the Fund Transfer requests of the customers. Sending the transfer request to the operations for processing & following up for the same & providing the Swift Copies to the customers (only on request of the customers).
To coordinate with the customers for their dishonored inward & outward clearing cheques.
Request for Balance Confirmations for Audits and Financials  and Account satisfactory Reports,
Processing Online Banking – Procash with group access.
Take ownership of Customer complaint resolution, related to accounts / delayed letters / transfers and WPS and fore closure of Accounts and loans and legal cases,
Service Request rejections/ redirects less than 5% & No reworks on service request raised to other departments
All client request are executed promptly
Cross-selling by way of referrals to Sales teams
Contributing to targeted NPS score on regional level
Attending customer’s requests / inquiries within targeted timeframes
Maintaining high standards of customer service (As per Bank Service Standards).
Maintaining high level of customer data quality in the system
On a timely basis, provide updates to RM / UM on identified issues and seek continuous feedback on validity of issues.
Actively involved in the implementation of the system Sentinel and ECAMS for the migration of details of the Corporate Customers, Preparing CA for Issuing Guarantees - Tender Bonds / Performance Bonds/ Adv. Payment /Financial / Labor and Trade License, Responsible for credit evaluation, Preparation of regular credit reviews and processing all applications in compliance with credit policies
Updating Customer Profile, Financials, Entity Rating, Facility/Product Structuring, Risk Based Pricing and Credit Risk Mitigates which include details of the Collaterals, Guarantors, Covenants, Comforts and other Terms and Conditions mentioned in the FOL.
Liaising with corporate customers for information/ clarifications relating to their credit facilities and other requirements and also Obtain / verify security documents from the customers via relationship officers
Compliance with Bank related policies and procedures in all transactions with the customer

Ø Assessment by RM /UM/RH on the contribution made towards achievement of the Region’s target (both assets and liabilities). Contribution to new business to improve Unit performance. On cross selling (excellency referral, increasing percentage of customers for cheque book request through online banking, % of increase for utilizing WPS, FX, TFD, & other Bank products) and remediation.

RESPONSIBILITES: 

Handling End to End application process of commercial vehicles cases after ensuring that all mandatory documents are in place.
Ensure availability of physical documents available in file as per documentation grid prior to approve and assign the credit limit on system.
To follow up with the credit department for the approval and fast processing of the application for the clients
Document verification, Credit proposal and Quality controls to ensure best TAT.
Contract Point Verification till Disbursal ensuring compliance and adherence to the quality documentation review for mortgages with overall checking on product parameters / credit policies.
Take ownership of Customer complaint resolution, related fore closure of loans, change of company or owner name in the mortgage and all other customer related services.
Coordination with Business and sales on behalf of Retail Credit Admin.
Adherence to the quality documentation review for mortgages with overall checking on product parameters / credit policies / delegation matrix.
Reconciliation of suspense account and loan pay-off GLs on daily basis.
Daily MIS for Approvals, Decline and Disbursal, and Tracking of loan details documents.
Co-ordinate with different departments and keeping track of all cases of clients
Coordination with IT for system automation & up gradation

RESPONSIBILITIES: 
Target Market Listing Officer (FRAUD CONTROL DEP’T.)

Approving or rejecting the applications as per the policies of the bank.
Conducting CPV for credit card applications
Handle the procedures Listing of Companies on The bases of Lending and High Risk.
Analyzing the companies from UAE (AUH/DXB/SHJ & Northern Emirates) on behalf of Bank Policies.
Daily MIS for Companies and Coordination with Managers and Sales teams

Credit Coordinator (Retail Credit) 

Monitoring of credit portfolio to identify over dues and initiating follow-up.
Obtain / verify security documents for credit cards.
Strive to achieve assigned targets and to expand business in Retail sectors.
Receiving resubmissions from the sales team and preparing MIS reports
Completion of credit execution documents for credit approval and contract execution.
Handling the procedures Of Credit Approvals, Resubmissions, Rejections, Batches, Evaluation,
As per Credit Policies. Daily MIS reports (AUH/DXB), Monitoring(AUH/DXB),
Business Reports (AUH/DXB) Download reflections of CPV for credit card And Resubmissions,
Limit Increase and Decrease Approvals
Analyzing the causes of resubmissions of the applications and working towards reducing the reasons for which the applications are resubmitted, thus trying to achieve minimal resubmissions from the sales
Preparing the Approval reports for the card operations to process the same.
Training new staff and making them acquainted with the credit policies and processes of the bank.

RESPONSIBILITIES:

Limit Increase and Decrease Approvals
To generate self leads through tale calling and reference marketing
To complete all formalities from the customers as per bank criterion
To close the deal as per customer requirement within minimum turnaround time(TAT)
Sending the transfer request to the operations for processing & following up for the same.
On a timely basis, provide updates to supervisor on identified issues and seek continuous feedback on validity of issues.

RESPONSIBILITIES:

Dealing with multi- products of bank – Credit Card and personal loan.
Develop strong team effort to achieve personal as well as team targets.
Supervise end to end process of credit cards from Data Entry, Data Validation,
Managing the Sales Process from contacting the prospect, Sales Analysis,
Responsibility for acquiring new Customer and retention of existing Customer

RESPONSIBILITIES:

Responsibility for acquiring new Customer and retention of existing Customer
Develop strong team effort to achieve personal as well as team targets.
Corporate Clients dealing and creating relationship with the banks for facilities & services
Managing the Sales Process from contacting the prospect, Sales Analysis,
Demonstration, proposal and closing.
Follow market intelligence including internal needs and competitor’s activity.