Credit Relationship Manager.CIBG - TC Mid Market.Corporate & Investment Banking Group
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Key skills for this role
About the Role
We are seeking a Credit Relationship Manager to assist in financial analysis, credit risk assessment, and structuring facilities for corporate relationships. The role requires 7-9 years of credit/financial analysis experience in banking and a degree in business or economics.
Key Skills for This Role
Responsibilities
- Assist in the financial analysis, credit risk assessment, risk rating and structuring of facilities for assigned corporate relationships
- Work with Relationship Managers, meet customers, prepare Credit Proposals (new, annual renewals, amendments) and liaise with Credit Risk Management and Compliance Unit
- Review deals, facility structures, credit products/services and provide business solutions within credit and operational risk guidelines
- Ensure quick and timely turnaround of CPs while maintaining quality of analysis
- Ensure terms in proposals align with client expectations to avoid significant deviations in approved terms
- Monitor exposures along with RAROC and overall profitability
- Follow up monitoring mechanisms with Credit Control Unit for strict adherence
- Review all Early Alert instances and promptly bring to attention of Direct Supervisor
- Step into the role of RM during RM’s absence and provide required guidance to the team
Requirements
- Minimum 7 9 years of experience of credit/financial analysis at similar level in banking and/or related field
- Degree in business/economics; post graduate diploma/Chartered Accountancy or similar qualification considered an asset
- Local market knowledge and sufficient knowledge of the bank’s products and operating systems
- Excellent command over verbal and written English; Arabic language skill will be an added advantage
- Conversant with banking laws and local regulations
- Good inter personal skills; team player
Full Job Posting
Role Overview
- 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 lia
Key Responsibilities
- 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.
Qualifications & Experience
- Minimum 7 9 years of experience of credit / financial analysis at similar level in banking and / or related field.
- Degree in business / economics. A post graduate diploma / 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 language skill will be an added advantage.
- Conversant with banking laws and local regulations.
- Good inter personal skills. Should be a team player and participation experience in variety of banking initiatives and solutions.
Working Relationships
- Internal: CRM, IBG, TCM, OPS
- External: CIBG Customers
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