Associate, Credit Administration.Injaz - CRM-Corporate Credit -Documentation.41.Risk Management

Role Overview

Associate, Credit Administration – Injaz CRM Corporate Credit Documentation at Mashreq, Risk Management department.

Role Purpose

Manage credit documentation, collateral, and compliance across corporate borrowing exposures. Ensure all borrowing documents are accurately lodged, verified, and released in accordance with Bank policies, while maintaining audit compliance and operational excellence.

Key Responsibilities

Documentation Management & Custody

• Ensure all borrowing and related documents are physically lodged in the vault under dual custody of designated custodians from the Documentation Unit and manage dual control procedures.
• Review documentation lodgment sheets (digital and physical) to verify that all documents have been received as indicated.
• Verify that documentation lodgments have been signed-off and authenticated by the appropriate official.
• File accepted documents accurately both digitally and physically in respective customer folders in the digital filing system.
• List all documents received related to borrowing clients in the digital filing system with updates for expiry, deferral, or any discrepancy, and follow up until resolution.
• Periodically review borrowing documents held under custody to identify discrepancies or perform housekeeping.

Credit Approval & Document Analysis

• Analyze credit approvals from a documentation control perspective and identify purpose of approval, required facility and collateral documentation.
• Verify that credit approvals are approved in line with the Bank's policies and guidelines.
• Distribute credit approvals timely and accurately.
• Prepare appropriate approved facility and collateral documents, approved by the Bank's legal department, incorporating all terms and conditions stipulated in the Credit Approval.
• Update documentation checklist to ensure all necessary documents have been obtained for each approved facility.

Collateral Management

• Represent the Bank at government regulators for creation of collaterals for borrowing exposures.
• Manage and initiate collateral creation and release for borrowing exposures.
• Ensure that all necessary appropriate approvals have been obtained prior to release of borrowing and related documents.
• Update system and related records for documents that have been released from the vault.

Document Review & Verification

• Review all documents related to approved facilities to ensure they are in order as per Bank guidelines.
• Verify that documents mentioned in the lodgment list are being received.
• Identify all discrepancies and escalate to the appropriate level of authorities for resolution.
• Liaise with in-house legal team to verify the authenticity of signatories of borrowing entities and guarantors whenever necessary.
• Provide documentation clearance to Credit Control Unit to upload limits in the core system upon confirmation that all documents have been obtained and are in order.

Monitoring & Compliance

• Update expiry dates, deferrals, and any other exceptions accurately into relevant internal systems (MIS) for monitoring and escalate to higher authority if necessary for resolution.
• Ensure that all necessary standard operating procedures are adhered to.
• Generate all required management information reports timely and accurately from databases maintained at the Unit.
• Keep RCSA up to date for relevant work area.
• Address all required audit actions in a timely and accurate manner.
• Maintain Audit rating as "Satisfactory".
• Ensure zero operational losses in all activities.
• Adhere to agreed turnaround times at all times.

Coordination & Stakeholder Management

• Coordinate with various Business Units, Risk Management, and Legal team to finalize Credit Agreement and Security Agreement as required.
• Maintain satisfactory working relationships with CIBG, IBG, RBG Business, Technology, and Operations Teams.

Systems & Process Improvements

• Maintain accurate data management functionalities related to Corporate Documentation Unit and Credit Administration Division.
• Update all related databases and monitoring tools maintained at Unit on a timely manner.
• Complete special assignments and projects related to Corporate Documentation and Credit Administration Division within acceptable timelines.
• Handle relevant system testing when Corporate Documentation Unit is implementing new systems and enhancements.
• Implement digitization and artificial intelligence related initiatives in area of work.
• Assist with implementation of all process reengineering and process automation initiatives.
• Accurately translate customized facility conditions to Arabic language (applicable to Arabic speaking employees).

Qualifications & Experience

• Graduate degree.
• Minimum 4 to 6 years' experience in General Banking.
• At least 5 years in the area of Corporate Documentation.
• Intelligent and sound knowledge of banking operations.
• Good understanding of technological issues.
• Fair knowledge of computerized environment.

Skills & Competencies

• Effective communications and interpersonal skills.