About this role
Job Purpose
Assist in the financial analysis, credit risk assessment, risk rating and structuring of facilities for assigned Financial Institutions (FI) and Non-bank Financial Institutions (NBFI) relationships, by working with the Relationship Managers (RMs), meeting the customers, preparing Credit Proposals (CPs) (new, annual renewals and amendments etc.) and liaising with Wholesale Risk Management (WRM) and the Compliance Unit to resolve all queries related to risk and compliance issues, respectively.
Key Result Areas
Greenlight and CP Preparation
• Prepare and ensure timely submission of high-quality Greenlight Memos and CPs for assigned clients
• Ensure timely renewal of CPs
• Ensure consistent (error free) presentation standard
Portfolio Management
• Maintain portfolio, transaction and counterparty credit controls in line with the bank's credit policy
• Review, check and assign where applicable the appropriate risk rating to each credit proposal
• Ensure completion of rating assessment and renewals in line with bank’s credit policy
• Coordinate with internal stakeholders to ensure that all up-to-date relevant information is obtained to conduct a proper evaluation
• Coordinate with respective RMs/SRMs and Business Support to ensure:
• Reduced turnaround time
• High quality submission to Risk and other stakeholders
• Produce error-free and timely routine and management reports and data related to limits, exposure and allocations
• Review covenants and monitor portfolio for any early alerts
Management Submissions
• Support NBFI and FI RM team for timely Greenlight and CP submissions for complex, high pressure time bound transactions
Knowledge, Skills and Experience
• Minimum 8 years of experience of credit / financial analysis at similar level in banking and / or related field. FI and NBFI credit knowledge and portfolio management experience
• Degree in business / economics. An MBA, CFA, CA or similar qualification will be considered as an asset.
• Excellent command over verbal and written English. Arabic language skill will be an added advantage.
• Conversant with banking laws and local regulations.
• Strong analytical skills.
• Good inter-personal skills. Should be a team player and participation experience in variety of banking initiatives and solutions.
Other facts
About Mashreq
Disclaimer: Mashreq will never ask for your bank related information via phone call, SMS or email. We will also never contact you from a mobile number to resolve your query.
Welcome to the LinkedIn page of Mashreq. More than half a century old, we proudly think like a challenger, startup, and innovator in banking and finance, powered by a diverse and dynamic team who put customers first. 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. Join Mashreq and find your way to Rise Every Day.
What you'll do
- The Credit Relationship Manager will assist in financial analysis, credit risk assessment, and structuring facilities for assigned Financial Institutions and Non-bank Financial Institutions. This includes preparing Credit Proposals and liaising with various stakeholders to ensure compliance and risk management.
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