Credit Management And Control Manager CIBG - Corporate Origination And Business Development 41 Corporate And Investment Banking Group

Handling end-to-end corporate transactions globally with focus on new-to-bank relationships across the UAE, Mashreq’s footprint markets (Qatar, Kuwait, Bahrain, Hong Kong, USA and UK), and non-presence countries including KSA and Turkey. This will entail preparing high-quality credit applications, ensuring compliance with policies, strategies and regulations, identifying key risks, and implementing mitigants aligned with the bank’s target market, credit appetite, and strategic objectives.

• Work closely with originators on new to bank facilities, including being involved in discussions of customers’ requirements, facility structure and related terms and conditions in addition to ensuring that all necessary information required for processing a credit proposal are obtained from the customer.
• Conduct a preliminary assessment of proposed transactions during the initial stage, prior to commencing the credit process, to determine the appropriate structure, security, and key terms, and evaluate whether the transaction aligns with the business and credit risk appetite.
• Prepare high quality credit proposals with a focus on identifying major risks whether operational or financial based on thorough evaluation of the credit worthiness and debt repayment capacity.
• Ensure credit application submission within acceptable turnaround time (TAT) which meets Mashreq Bank’s internal standards and ensure maximized share of wallet.
• Manage risks in line with banks risk appetite and approved strategies while highlighting any exceptions within the credit application and recommending mitigates for same.
• Support in KYC, perform required Transaction screening and conducting independent due diligence (i.e: CBRB check, E-name, desktop search….etc)
• Establish cordial relationship with Credit risk Management and be involved along with Originators in relevant discussions to support any given transaction;
• Adhere to risk and compliance policies and practices within Mashreq bank, while ensuring to obtain necessary compliance approvals for risky relationships.
• Acquire thorough knowledge of the bank’s credit policies, products and services.
• Review of facility documents in coordination with originators for execution including liaising with Legal team and obtaining required approvals.
• Coordinate with operation team for limits loading and obtain required approvals in case of any exceptions.
• Handle account opening with originators and have full acquaintance of the DOB system while working closely with middle office and compliance to ensure smooth account opening experience.
• Act as the department’s Business Unit Risk Assessor- BURA through undertaking Risk and Control Assessment on quarterly basis to ensure compliance with ORM policy of Mashreq bank.
• Handle the audit process during audits, ensuring all audit inquiries are addressed and resolved in a timely and accurate manner.
• Bachelor degree in Finance or Accounting with strong GPA.
• Master degree in Finance or Business Administration is a plus.
• Minimum of 5-7 years of Credit risk management or corporate relationship management experience with a regional or multinational bank.
• Completion of relevant bank credit program or professional certification in credit risk management is a plus.
• Strong ability to read and interpret financial data with knowledge of credit risk and financial analysis.
• Good understanding of Central bank regulations, AML and Fraud policies;
• Good knowledge of banking products and understanding bank operations.
• Excellent communication, presentation and writing skills.