AVP, Credit Management and Control Manager- Corporate Origination and Business Development (UAE National Only)

Role Overview

Assistant Vice President, Credit Management and Control Manager – Corporate Origination and Business Development at Mashreq, based in the UAE. This position is open to UAE nationals only.

Role Purpose

Handle end-to-end corporate client onboarding with focus on new-to-bank relationships across the UAE, Mashreq's footprint markets, and non-presence countries including KSA. Prepare high-quality credit applications, ensure compliance with policies, strategies and regulations, identify key risks, and implement mitigants aligned with the bank's target market, credit appetite, and strategic objectives.

Key Responsibilities

Client Engagement and Origination

• Work closely with originators on new-to-bank transactions, including discussions with customers on funding requirements, facility structure and related terms and conditions.
• Obtain all necessary information required for processing a credit proposal from the customer.
• Maximize share of wallet across transactions.

Credit Analysis and Proposal Development

• Prepare high-quality credit proposals with focus on identifying major risks, whether operational or financial, based on thorough evaluation of creditworthiness and debt repayment capacity.
• Perform required transaction screening and conduct independent due diligence including CBRB checks, E-name searches, and desktop searches.
• Ensure credit application submission within acceptable turnaround time that meets Mashreq Bank's internal standards.

Risk Management

• Manage risks in line with the bank's risk appetite while highlighting any policy exceptions within the credit application.
• Recommend mitigants for policy exceptions and identified risks.
• Establish cordial relationships with Credit Risk Management and participate in relevant discussions to support transactions.
• Review the department's booked transactions during the quarterly risk and control assessment process to ensure alignment with credit policy and approved strategies.

Compliance and Approvals

• Adhere to risk and compliance policies and practices within Mashreq Bank.
• Obtain necessary compliance approvals for risky relationships.
• Coordinate with the compliance team to ensure smooth account opening experience.
• Review facility documents in coordination with originators for facility execution.
• Liaise with the Legal team and obtain required approvals.

Operations and Reporting

• Coordinate with the operations team for limits loading and obtain required approvals in case of any exceptions.
• Work closely with middle office and compliance to ensure smooth account opening experience.
• Handle monthly and quarterly reports and ensure timely submissions.

Qualifications & Experience

• Bachelor degree in Finance or Accounting with strong GPA.
• Master degree in Finance or Business Administration is a plus.
• Minimum 6–7 years of credit risk management or corporate banking experience with a regional or multinational bank.
• Completion of relevant bank credit program or professional certification in risk management.

Skills & Competencies

• Strong ability to read and interpret financial data with knowledge of credit risk and financial analysis.
• Good understanding of Central Bank regulations, AML and Fraud policies.
• Good knowledge of banking products and understanding of bank operations.
• Excellent communication, presentation and writing skills.
• Ability to multitask, meet stringent deadlines and work under pressure.