Avp - Manager Credit Administration Bahrain
Current• Formulate, Implement & Manage credit control activities related to loan documentation, collateral perfection, loan disbursement, monitoring, compliance & reporting of corporate customers as per Bank’s credit policy/procedures and regulations of the Central Bank of Bahrain. • Align operational procedures with policies to ensure no operational loss, formulate Service Level Agreements (SLA’s) & Standard Operating Procedures (SOP’s) for smooth services to business partners. • Ensure collaterals are perfected & in place as per credit approval terms. Issue Disbursement Authorization Certificate (DAC) after complete review of account in line with the documentation check list.• Ensure interest rates, limits & repayment schedules, earmarking of limits, reallocation and reinstatement of limits are correctly encoded in core banking system by the team as per approved terms & conditions. • Ensure that checklists as per the standard operating procedures for credit control activities related to loan documentation, collateral perfection, credit documents are regularly updated & maintained. • Facilitating the team in preparing various credit MIS reports for effective credit management.• Highlight & report exceptions to the stakeholders and escalate it to the relevant authorities for resolutions. • Train and guide team for effective credit control operations to carry out their responsibilities.• Maintain annual Business Continuity Plan and Conduct Business Impact Analysis and Risk Assessment to identify critical CAD processes. • Ensure minimal exceptions by conformity of policies and arrange rectifications for highlighted exceptions by Internal & Central Bank audit. • Assist the Risk unit in creating KRI’s & KPI’s for the department and monitor their achievement on periodic basis. • Identifying gaps in the processes & system to increase productivity and actively involve in liaising with units such as IT to achieve better controls & synergy between the departments.
