Credit Relationship Manager – Servicing; UAE National CIBG S&M - Services.Corporate & Investment Banking Group

Job Purpose

• 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), meeting the customers, preparing Credit Proposals (CPs)(new, annual renewals and amendments etc.)andliaisingwith Wholesale Risk Management (WRM) and the Compliance Unitto resolve all queries related to risk and compliance issues, respectively.

Key Results Areas

• 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.
• Meet clients and parties involved in the deals as and whenrequiredfor the execution of responsibilities and / or needed byRelationship
  
  Team(s) for businesspurpose.
• Quick andtimelyturnaround of CPs whilemaintainingquality of analysis.
• Monitor borrowing pattern, account conduct ofborrowersand provide information at each review, thereby ensuring effective portfolio management and ensuring that the portfolio quality ismaintainedby highlighting early warning signals.
• Independently manage the ‘portfolio’ of the relationships assigned.

Problem Solving

• Analytical thinking, deductivelogicand educative judgmentrequired.
• 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.

Decision Making

• 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,reportand recommend actions if risk profiles of a relationship or aspecific deal changes.
• To comment on the account conduct/ behavior ofclient.
• Provide financial solutions to customer requirements.

Knowledge, Skills & Experience

• Minimum5-7years of experienceofcredit / financial analysis atsimilarlevel in banking and / or related field.
• Degree in business / economics. Apost graduatediploma/ 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 languageskillwill be an added advantage.
• Conversant with banking laws and local regulations.
• Good inter-personal skills. Should be a team player and participation experience invarietyof banking initiatives and solutions.

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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.

Nationality

United Arab Emirates