Job Purpose
To prepare facility documentation for standard facilities in the assigned portfolio as per the approval and update/maintain related data to facilitate tracking.
Review facility / source documentation held as per the approved terms and conditions for adequacy / compliance.
Key Responsibilities
Review the approvals and check that all credit facilities are approved by the Bank’s competent authorities within their DOA as per the policy guidelines. Highlight irregularities/contradictions (if any) in the approval, to the Manager.
Prepare a preliminary draft of the checklist/IOM for Manager approval highlighting required facility & security documentation and to obtain Legal / Sharia opinions (where applicable).
Prepare the Facility Agreement Letters & related security documents correctly as per the approval for review of the Manager and RM.
Initiation/creation of Mortgage agreements/letters and related documents.
Obtain and prepare information required for collateral update/release in Emirates Movable Collaterals Registry (EMCR) and other 3rd party e-portals (Land Department, Stock Exchange, RTA, MOI, etc.).
Check and verify that the financing authorities/powers are well defined and supporting constitutional documents are evidenced/obtained and are valid for authorized signatories.
Verify that all conditions stipulated in the approval as a precedent to disbursement of facilities are complied with and documents are perfected, and prepare draft email with the discrepancies (if any).
Update the Collaterals (as a Maker) in LMS system accurately, and refer to Manager for authorization.
Prepare a list of documents and send it along with the checklist for scanning as per standard guidelines in the Documentation Management System.
Coordinate/arrange to update the relevant details in MER for correct reporting of exceptions and accurately update comments in tracking sheets for timely release of Control reports.
Maintain a clean documentation folder, image etc. reflecting latest approved facility/security terms by archiving old/obsolete documentation.
Business Growth• Cascade the sales targets assigned by the Zone Manager to branch staffs.• Identify and implement action plans and regularly track and review performance to ensure the achievement of the set targets cascaded down by the Zone Manger and business growth objectives.• Meet regularly with the branch customers including important/ high net worth customers in order to assist in the growth of business• Manage the product portfolio of each line of products and control the cost and profitability of the branch.Customer Service• Maintain high levels of customer service of all front office functions such as Cash Management, Remittances, drafts, Account opening/ inquiry & maintenance, sales and after sales by efficientlyabiding to the process and by reducing customer waiting time and service time.• Promote high level of customer service culture among the branch staffs for potential acquisitions.Service Quality & Business Operations Control• Attend all audit requirements and strive to have a null /low risk audit rating and ensure that all the branch operations are in accordance to the established Bank’s policies, operating manuals, service quality standards and code of conduct for smooth workflow, high service quality, and lowlevel of operational risk and report any deviation to the management.• To maintain a low risk level of cash difference by following diligently the process set by maintaining detailed accounting records of daily cash flow as well as regular review of daily MIS reports, checking notes, denominations & security items in order to ensure accurate delivery of cash to customers.• Monitor continuously customer complaints and mystery shopping results and recommend necessary measures and initiatives to improve the score and to ensure high customer satisfaction• To ensure a high level of safety & security measures are in place as well as to maintain a proper communication with the police department whenever it is required.Internal Process• To lead any branch projects jointly with the Zone Manager (Service Quality Programs, Process changes, sales… etc) and support the launch of new products and services as per the consumer banking business plan.• To maintain an accurate archives file for all branch transaction records, vouchers, stationaryreports…etc.• Follow up on various cases with all the concerned stakeholders such as customers, internal Bank’s departments in order to ensure 100% closing mandates.
Training & Development• Analyze the training and development needs of staff and nominate them for an appropriate training courses in order to close the skill gaps and ensure that all staff are well trained and fully aware of DIB products and services, policies and procedures.• Build and maintain effective communication skills with branch’s staff by conducting regular staff meetings and discussions in order to have a high level of staff engagement and Job satisfaction.• To ensure proper staff management in terms of annual leave, performance appraisal, two days off as well as to ensure a proper resources allocation in order to meet the branch business requirements.
Job Purpose
Perform the validation, calibration and implementation of a suite of credit risk rating methodologies, models compliant with regulatory requirements that are compliant with both internal and external regulations.
Key Responsibilities
IFRS 9 model monitoring, validation and ensure that all models are validated and refined/ re-developed as per the governance framework
Perform analysis on the analytical models used in stress testing and ICAAP to ensure the models are fit for purpose or not.
Develop and maintain a model inventory and ensure the inventory is complete, accurate, and consistent with the model governance framework.
Liaise with model owners and users to provide quantitative solutions in timely manner.
Coordinate with other quantitative analysts within the Bank to ensure that rating models and solutions are consistent and in-line with the Bank practices
Ensure accuracy and completeness of archived information and related documentation to allow independent third party review of the validation work performed.
Perform data due diligence and data preparation required for the IFRS 9, Basel, Stress Testing, in line with the department’s standards.
Ensure compliance with the approved policies, procedures, SLAs and regulatory requirements to maintain quality standards and ensure risk mitigation.
Ensure all assigned tasks and projects are executed within the approved policies, procedures and SLAs of the department.
Job Purpose
Manage and deliver timely, friendly & error free services for all customers to ensure the fulfillment of customer requirements by providing an accurate financial transaction services (Cash Management, Security items, Cheques) as per the Bank’s policies and procedures
Key Responsibilities
Customer Service • Provide high levels of customer service of Cash/ teller function by efficiently handling the process and by reducing customer waiting time and service time. • Consistently meet and exceed service standards set for the customer services by reducing the process turnaround time.
Service Quality & Business Operations Control • Adherence to all established Banks’ Policies, operating manuals, service quality standards and code of conduct for smooth workflow, high service quality and low level of operational risk • To eliminate the risk of cash difference by ensuring compliance to the Bank’s cash control procedures as well as the Central Bank requirements.
Internal Process • To perform the financial transactions (Cash Management, Security items, Cheques) timely & accurately and Checking notes & denominations to ensure accurate delivery of cash to customers. • To conduct an accurate reconciliation on the cash balances in order to ensure the conformity between the cash and system figures. • Responsible of custodianship of securities as assigned by the Branch Manger • Custodian of approvals for all the financial transactions which exceed the teller staff cash limit. • Ensure an adequate cash balance for the teller staffs. • Supervise and custodianship of vault and safe room. • To facilitate and participate in any branch projects (Service Quality Programs, Process changes, Sales… etc). • To facilitate and participate in the achievement of branch sales target. • Responsible for the funds management between the branches and the Central Bank.
Training & Development • Attend various training and learning programs to close the skill gaps and to ensure proper awareness about products and services, policies and procedures. • Maintain effective relationship with supervisors and peers to ensure teamwork.
Job Purpose
The position is responsible for assisting in managing the activities related to Fraud Risk Monitoring and handling of related matters.
Key Responsibilities
Assist Fraud risk monitoring manager in:
Ensure Effective Fraud Risk Management covering the three main elements of Fraud i.e. Prevention, Response and Detection/Monitoring, in order to prevent fraud losses for DIB/customers. Fraud Awareness including classroom trainings, E-learnings and onsite.
Engage with other departments to combat fraud and provide solutions to enhance fraud preventions, including Liaising with legal, audit and other departments, to support on fraud cases.
Analyze and suggest controls against the latest industry fraud trends/threats and identify requirements of tools and equipment to cop-up with latest industry fraud trends. Approve messages to be sent to other banks in response to other banks' enquiries as well as to get additional information from other banks on fraud incidents.
Build relationship with fraud risk teams of other banks through participating in fraud forums events.
Supervise and manage daily activities/KPIs of the Fraud Risk Monitoring team.
Regulatory and management reporting of fraud incidents and response to regulator’s queries.
Incorporate and comply with the bank's core values in day to-day activities.
Ensure all assigned tasks and projects are executed within the approved policies, procedures and SLAs of the department. Incorporate and comply with the bank's core values especially the Customer First in your day to-day activities.
Job Purpose
Review & dispose payment screening hits in Fircosoft Continuity and SAS screening systems in line with department’s policy, procedures and standards.
Key Responsibilities
· Analyzing and investigating the alerts and ensuring necessary actions are taken within the TAT.
· Escalation of true matches to the line manager or team lead immediately, in line with the department standards.
· Managing RFIs, follow-up with the relevant business/RM and making sure all alerts are attended within the agreed TAT.
· Updating MIS for all RFIs handled and rejection cases on daily basis without fail.
· Updating the correspondent bank rejection log on daily/weekly basis on receipt from GBO.
· Identifying sanctions screening system optimization strategies.
· Ensure compliance with the approved policies, procedures, SLAs and regulatory requirements to maintain quality standards and ensure risk mitigation.
· Ensure all assigned tasks and projects are executed within the approved policies, procedures and SLAs of the department.
We are seeking enthusiastic UAE National freshers to join DIB!
This entry-level role offers hands-on experience across various departments for someone who wants to develop their career in the banking industry.
