First Abu Dhabi Bank is an inclusive environment where each person values the experiences, perspectives, ideas and beliefs of others. We’re in a unique position to learn from all our colleagues, combining international experience with deep cultural knowledge and local expertise. At FAB, you’ll have the support of your team and a strong relationship with your line manager, who will trust you with responsibility and recognize your good performance. As we embrace different ways of seeing the world, listening to each other and respecting different viewpoints, we grow stronger – together.

JOB PURPOSE:

Director, Mortgage Service for Elite segment with a view to identify and develop lending opportunities within the catchment area with the prime objective being increasing the credit portfolio and streamline process, maintaining high level of credit administration, diagnosing early warning signals and improve remuneration from existing relationships by inducing higher utilization of sanctioned lines.   

KEY ACCOUNTABILITIES:

Manage the complete Elite portfolio of clients having mortgage facility.

To achieve monthly assigned targets as per KPI.

Generating Analytical and Financial reports and different business analysis application to determine credit worthiness and the degree of risk involved in extending credit by evaluating client financial position.  

Communicating a view point of economy and market.

Engages in regular research and reading to stay apprised about the state of the UAE economy, global financial markets, and general current events.

Presents new opportunities and related analysis to the management.

Uses complex financial models to project future earning and profit potential and uses this data to inform decisions and proposals.

Meets with an investment team, including analysts and other managers, to stay up-to-date about market situations and company decisions that may impact one   another.

Assist in maximizing revenue and customer value from assigned portfolio.

Identify and develop the planning techniques for the sake of business growth in terms of overcoming obstacles to cope with bank policies and procedures and market conditions in order to deliver unique positive outcomes.

Ability to transit and improve essential energy and capacity in the workplace to build and manage client portfolio base effectively.

Ensure all proposals approved are reviewed and all requirements are met as per sanction terms.

Assist growth of business & client relationships in a competitive environment through effective key awareness of market demands.

Coordinate with other units & departments (Legal etc.) as required to ensure and facilitate smooth processing / approvals and disbursements of facilities.

Execute any special task / assignments allocated by management as per delegation.

Proactive action in coordination with concerned department for past dues / non performing accounts and recommendation for rescheduling, interest rates etc. to ensure minimizing of any provision built up or classification.

Maintain professionalism and effective communication with colleagues within unit and provide suggestions for improvement to increase operational quality and efficiency in work resulting in best customer service.

Job knowledge, Skills and Experience

University Graduate/ Degree.

Banking or related academic qualifications supported by 10 years experience in related field.

Standard technical knowledge acquired from vast experience in different sections plus ability to deal with all level of staff.

Very good oral & written communication skills with managerial style.