Senior Officer, Field Operations (UAE National)

JOB PURPOSE

Accountable for performing disbursal, maintenance, completeness of property & mortgage registration in land departments, mortgage contract, disbursal & maintenance of Asset products, handling of security documents within Asset product operations function in Retail Operations by ensuring that all disbursal, maintenance and lien perfection related functions are carried out with maximum efficiency, security and control in order to safeguard the financial interests of the Bank and deliver quality service to both internal and external customers in accordance with established procedures and agreed service standards

PRINCIPAL ACCOUNTABILITIES

• Accountable for performing pre and post disbursal activities involving registration of properties, collection or submission of mortgage related documents to or from banks, handing over of security documents to custodians, preparation of developer letters, bank letters & land department letters, reconciliation of security documents, processing vendor payments, whilst ensuring that these activities are carried out with maximum efficiency, security and control in accordance with Bank’s established procedures, policies & agreed service standards and stand the test of audit.
• Accountable for performing release of property mortgage, whilst ensuring that these activities are carried out with maximum efficiency, security and control in accordance with established procedures and agreed service standards and stand the test of audit.
• Accountable for reconciliation of lien security documents on loans closed, maintain safe custody of security documents under dual controls, whilst ensuring that these activities are carried out with maximum efficiency, security and control in accordance with established procedures and agreed service standards and stand the test of audit.
• Deliver efficient and quality services to both internal and external customers that meet or exceed agreed service standards and ensure customer complaints / queries are handled promptly, and escalate unresolved issues to superiors.
• Learn and gain general awareness about the function specific processes and procedures to build up capabilities and ensure preparedness to discharge assigned responsibilities.
• Keep Team Leader, Asset Operations advised of material operational / process weakness & non-compliance with controls in the unit.
• Take active interest to build skills and develop self to hold higher responsibilities.
• Work closely with Team Leader, Asset Operations in providing inputs while preparing or reviewing BRD of processes related to area of responsibility.
• Work closely with Team Leader, Asset Operations, in resolving all customer issues / enquiries relating to customer loan accounts.
• Keep abreast with Unit’s Standard Operating Procedures & Policies on Asset Operations and protect the bank's interest by minimizing transactional / fraud losses.
• Ensure KPIs such as SLAs, error rate, audit findings, document reconciliation accuracy, TAT, customer complaint resolution, or pending ageing are adhered to.[AV1] 
• Ensure that all customer files are duly filed in order and files are transferred to Archives at regular intervals.
• Act as one of the joint custodians for Retail Operations Chubb to ensure that all custodial items are kept under safe custody.
• Accountable to handle additional activities delegated by Sr. Mgr Asset Operations
• Accountable to monitor requirement of office supplies and forward request to Property & Administration Unit on monthly basis and ensure there is always sufficient stock of office supplies.
• Ensure Customer satisfaction and End-to-End ownership on all activities.

EXPERIENCE & ACADEMIC QUALIFICATIONS:

• Minimum formal qualifications required as part of the job.
• Qualification: University degree or equivalent qualification.
• Experience: At least 2 years of experience in Loan Operations with a good understanding of disbursal & maintenance functions, UAE CB, municipalities, and land department regulations related to Property Mortgage Loans.