Credit Relationship Manager.CIBG - TC Mid Market.Corporate & Investment Banking Group

mashreq

📍 الإمارات

💼 دوام كامل

🕒 نُشرت قبل شهرين

وصف الوظيفة

Role Overview

Credit Relationship Manager, Corporate & Investment Banking Group (CIBG), Mashreq.

Role Purpose

Assist in financial analysis, credit risk assessment, risk rating and structuring of facilities for assigned corporate relationships by working with Relationship Managers, meeting with customers, preparing Credit Proposals, and liaising with Credit Risk Management and the Compliance Unit to resolve risk and compliance issues.

Key Responsibilities

Credit Analysis & Proposal Development

Review with CIBG Relationship Teams and WRM deals, facility structures, credit products and services, and provide business solutions that meet business and customer requirements within credit and operational risk guidelines and policies.
Deliver quick and timely turnaround of Credit Proposals while maintaining quality of analysis.
Ensure terms laid out in proposals align with client expectations to avoid significant deviations in approved terms.
Provide financial solutions to customer requirements.

Risk Monitoring & Reporting

Monitor exposures along with RAROC and overall profitability.
Follow monitoring mechanisms laid out in Lending Guideline and Credit Policy and coordinate with the Credit Control Unit for strict adherence.
Review all Early Alert instances and promptly bring them to the attention of Direct Supervisor.
Monitor and report portfolio quality, size, and mix; ensure adherence to risk and return guidelines.
Monitor, report and recommend actions if risk profiles of a relationship or specific deal change.
Comment on the account conduct and behavior of clients.

Relationship & Team Management

Step into the role of the RM during RM's absence (leave, training, or secondment) and provide required guidance to the team.

Qualifications & Experience

Minimum 7–9 years of experience in credit and financial analysis at similar level in banking and/or related field.
Degree in business or economics.
Post-graduate diploma, Chartered Accountancy or similar qualification will be considered as an asset.
Local market knowledge and sufficient knowledge of the bank's products and operating systems.
Conversant with banking laws and local regulations.

Skills & Competencies

Excellent command over verbal and written English.
Arabic language skill will be an added advantage.
Analytical thinking and up-to-date knowledge of macro-economic trends influencing the industry.
Use of judgment in daily decisions, with guidance from superior when required.
Regulatory and legal framework understanding, banking conventions, agreements and practices.
All Mashreq bank policies, guidelines and manuals including risk, operational, and Anti-Money Laundering requirements.
Thorough understanding of Mashreq bank's policies, procedures, regulatory, operational and compliance requirements.
Regulatory, operational, compliance and AML requirements including thorough understanding of local banking practices.
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.
Good interpersonal skills; team player with participation experience in a variety of banking initiatives and solutions.