Credit Relationship Manager.CIBG - TC Mid Market.Corporate & Investment Ban at Mashreq Careers

, , United Arab Emirates -

Full Time

Start Date

Immediate

Expiry Date

11 Oct, 26

Salary

0.0

Posted On

13 Jul, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial Analysis, Credit Risk Assessment, Risk Rating, Credit Structuring, Credit Proposals, Compliance, RAROC, Portfolio Monitoring, Macro Economic Analysis, AML Knowledge, Banking Laws, Interpersonal Skills

Industry

Banking

Description

Assist in the financial analysis, credit risk assessment, risk rating and structuring of facilities for assigned corporate relationships, by working with the Relationship Managers (RMs / SRMs), meeting the customers, preparing Credit Proposals (CPs) (new, annual renewals and amendments etc.) and liaising with Credit Risk Management (CRM) and the Compliance Unit to resolve all queries related to risk and compliance issues, respectively. * Review with the CIBG Relationship Teams/WRM, deals, facility structures, credit products / services, and provide business solutions which meet business and customer requirements within credit and operational risk guidelines and policies. * Quick and timely turnaround of CPs while maintaining quality of analysis. * Ensure terms laid out in the proposal are in line with client expectations to avoid significant deviations in the approved terms. Exposures to be monitored along with RAROC and overall profitability * Monitoring mechanisms laid out in Lending Guideline and Credit Policy to be followed up with Credit Control Unit for strict adherence * Ensure review of all Early Alert instances and promptly bring to the attention of Direct Supervisor * During RM’s absence (leave / training/secondment etc.), step into the role of the RM, and provide the required guidance to the team. The incumbent has to understand and abide by: * Regulatory & legal framework, banking conventions, agreements and practices. * All Mashreq bank policies, guidelines and manuals (risk, operational, Anti-Money Laundering etc.) * Working relationships: Internal: CRM, IBG, TCM, OPS External: CIBG Customers * Analytical thinking, up to date on Macro Economic trends influencing the Industry * Thorough understanding of Mashreqbank’s policies and procedures in addition to regulatory, operational and compliance requirements. * Clear understanding of business transactions and relationship requirements with close coordination with the relationship team and WRM, without losing focus on risk, regulations and control issues. Regulatory, operational, compliance and AML requirements would require thorough understanding of local banking practices. * Should use their judgment in daily decisions and be guided by superior if required. * Responsibility to monitor and report portfolio quality, size, mix and ensure adherence to risk / return guidelines. * Monitor, report and recommend actions if risk profiles of a relationship or a specific deal changes. * To comment on the account conduct/ behavior of client. * Provide financial solutions to customer requirements * Minimum 7-9 years of experience of credit / financial analysis at similar level in banking and / or related field. * Degree in business / economics. A post graduate diploma / Chartered Accountancy or a similar qualification will be considered as an asset. * Local market knowledge and sufficient knowledge of the bank’s products and operating systems. * Excellent command over verbal and written English. Arabic language skill will be an added advantage. * Conversant with banking laws and local regulations. * Good inter-personal skills. Should be a team player and participation experience in variety of banking initiatives and solutions. The leading financial institution in MENA While more than half a century old, we proudly think like a challenger, startup, and innovator in banking and finance, powered by a diverse and dynamic team who put customers first. Together, we pioneer key innovations and developments in banking and financial services. Our mandate? To help customers find their way to Rise Every Day, partnering with them through the highs and lows to help them reach their goals and unlock their unique vision of success. Delivering superior service to clients by leading with innovation, treating colleagues with dignity and fairness while pursuing opportunities that grow shareholders value. We actively contribute to the community through responsible banking in our mission to inspire more people to Rise.

Responsibilities

The role involves conducting financial analysis and credit risk assessments to structure facilities for corporate relationships. It also requires preparing credit proposals and liaising with risk and compliance units to ensure adherence to banking policies.