Manager- Elite Mortgage Sales

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.

Mortgage Specialist for Elite Banking 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.   

Generic and Job Specific Accountabilities:

• Manage the complete Elite Banking portfolio of clients having mortgage facility.
• Receive applications of Mortgage facilities related to individuals of Sales & Distribution, review accuracy and completion of documentation received in order to confirm its compliance to Bank policy and procedures related to Mortgage lending.
• 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.  
• Perfecting the security documentation and dispatching to Mortgage Unit for prompt lodgement.
• Interpret, communicate and provide guidance to Elite Banking regarding association lending policy and procedures.
• Assist in maximizing revenue and customer value from assigned portfolio.
• Ensure promptness in assigned tasks, related positive approvals are received in a timely manner up to customer satisfaction. Adhere to the agreed service level standards.  
• 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.
• Assume responsibility and accountability for allocated proposal.
• Highlight to appropriate authority any early warning signals, to enable prompt remedial measures to be taken by concerned department.
• Investigate and respond to any queries from Mortgage unit and ensure prompt outcome of all customer applications.
• 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.
• Delivering quality service to all clients putting the client at the heart of our business.
• 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.

• 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.

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