Manager, Retail Credit Administration

Job Purpose

• Organize control and overall supervision of the CAD Retail activities and to ensure the function of the unit is in line with Banks policy and department procedure.
• Overall supervision of the CAD Retail Custody Management & Collateral Management
• Provide efficient and cost-effective operational services in support of the bank’s business objectives.
• Ensure sufficient resource is available in documentation unit to deliver agreed service standards.
• Impart training to the staff in coordination with Talent Management Department.
• Periodic review to ensure process improvement achieving high level of productivity and efficiency through automation.
• Display UAB Values of Excellence, Experience and Efficiency.
• Risk Management obligation is the systematic application of management policies, procedures and practices to the tasks of identifying, analyzing, evaluating, treating and monitoring risk. This helps to mitigate risks to acceptable levels of management

Principal Accountabilities

• Ensure all work carried out is as per the terms and conditions laid down in the respective Sanctions/Approvals and in compliance with the Bank’s Credit Policy & Procedure Support.
• Monitor the performance of the Retail CAD staff activities
• Review of Facility Letters, facility documentation in line with approval term and conditions for Retail Banking units (Home Loan/Personal Loans)
• Review and checking of customer executed home loans security documents in line with approved terms and condition.
• Release of Limit to Loan Operations team upon perfection of Facility and security documents.
• Performance archival obsolete documents on periodic basis as per Bank Policy.
• Monitor the performance Safe custody for all executed security documents for Retail.
• Scanning of Executed Security documents.
• Maintaining of Collateral data base with proper follow ups.
• Handling the Collateral reporting for IFRS and ECL/ BASAL reporting and collateral management activities and MIS reporting on security exceptions.
• Maintaining all the Retail Collateral data in the Banks system and reporting on monthly basis.
• Maintaining the highest standard in the documentation and ensure to achieve TAT in all the activities under documentation.
• Effectively tracking deferrals and follow up for closer and escalate to relevant committees for the overdue cases.
• Managing EIRC registration.
• Managing CBRB CCSYS 2 for retail.
• Managing Deferrals exceptions with proper follow ups.
• Maintaining all the Retail Collateral data in the Banks system and reporting on monthly basis.
• Timely reporting to concerned parties on all Operational Risk, Fraud and AML issues.

Qualifications & Experience

• Bachelor's degree in any relevant field
• 5 – 10 years’ minimum Management experience in handing Retail documentation in CAD division.