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 / SRMs), meeting the customers, preparing Credit Proposals (CPs) (new, annual renewals and amendments etc.) and liaising with Credit Risk Management (CRM) and the Compliance Unit to resolve all queries related to risk and compliance issues, respectively.
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.
Quick and timely turnaround of CPs while maintaining quality of analysis.
Ensure terms laid out in the proposal are in line with client expectations to avoid significant deviations in the approved terms. Exposures to be monitored along with RAROC and overall profitability
Monitoring mechanisms laid out in Lending Guideline and Credit Policy to be followed up with Credit Control Unit for strict adherence
Ensure review of all Early Alert instances and promptly bring to the attention of Direct Supervisor
During RM’s absence (leave / training/secondment etc.), step into the role of the RM, and provide the required guidance to the team.
The incumbent has to understand and abide by:
Regulatory & legal framework, banking conventions, agreements and practices.
All Mashreqbank policies, guidelines and manuals (risk, operational, Anti-Money Laundering etc.)
The leading financial institution in MENA
While 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.
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.