Assistant Relationship Manager - TWC Partially Secured

Role Overview

Assistant Relationship Manager - TWC Partially Secured at Mashreq.

Role Purpose

Manage the relationship lifecycle, portfolio health, and compliance for secured credit facilities, ensuring timely approvals, renewals, regulatory adherence, and exceptional client service delivery.

Key Responsibilities

Approvals & Credit Management

• Process approvals from WRM, declines, and amendments.
• Monitor covenant compliance with no outstanding covenants beyond 60 days.
• Review and action CBRB and cheque returns.
• Manage the Early Alert Process.

Portfolio & Account Administration

• Execute timely completion of New-to-Bank Credit Proposals as assigned.
• Complete renewals within T-30 days target.
• Initiate renewal information requests 60 days prior to expiry date and escalate to next level if information is not obtained before 30 days.
• Maintain CP expiry reports with no expirations beyond 30 days and no expired CPs without extension or justifications.
• Monitor MER expiry with no Primary and Secondary expirations beyond 30 days.
• Conduct active portfolio management and analytics.

Compliance & Risk Management

• Update MRS immediately upon receipt of audited financials or triggering of any DRI event.
• Monitor overdue and excess accounts, and account irregularity reports.
• Conduct transaction monitoring in accordance with DTR and other monitoring mechanisms.
• Action all EDD and compliance queries promptly and in line with bank policy.
• Complete quarterly RCSA reports on a timely basis with coverage of 100% of identified risks.
• Maintain no adverse audit comments for the area of operation.

Client Service & Issue Resolution

• Handle all client queries and transactions referred promptly and efficiently.
• Register, track, and resolve complaints.
• Ensure CP quality through incorporation of Manager and CRM feedback.

Stakeholder Communication & Escalation

• Escalate and highlight any exceptions to relevant stakeholders on a timely basis.
• Provide feedback from line manager, customer, and CRM into continuous improvement.

Business Development & Transformation

• Recommend process improvements.
• Migrate all customers to online channels as active users.
• Cross-sell various products.
• Shadow the KPI achievement of tagged Relationship Managers.
• Complete special tasks and projects assigned by the unit on an as-needed basis.