Job Purpose
To assist the Relationship Team in maintaining and housekeeping the portfolio under management, resolving day to day issues and ensuring marketing team’s involvement in operational issues is brought to a minimum. 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.
Results Areas
Act as a backup to the Relationship Manager and mirror the assigned portfolio - Assist the Relationship Management team in maintaining and developing both existing and target Relationships.
Quick and timely turnaround of CPs while maintaining quality of analysis.
Monitor borrowing pattern, account conduct of borrowers and provide information at each review, thereby ensuring effective portfolio management and ensuring that the portfolio quality is maintained by highlighting early warning signals.
Liaise regularly with various departments (e.g. FTC, OPS, Compliance, Credit Ops…etc) within the bank and entertaining requests and enquiries pertaining to transactions and/ or documentation.
Ensuring all documentation is up to standard and up to date and ensuring that MER issues are kept to a minimum.
Attend to the Clients enquiries and coordinate with various Service Departments to ensure resolution in a timely manner.
Assist in preparing industry studies and data collection pertaining to clients’ portfolio within the unit.
Attend to specific projects / jobs assigned by the Division/Unit Head from time to time.
Maintain proper records of clients’ communication.
Housekeeping monthly pipeline report and updating the same on monthly basis.
Explore and highlight business opportunities in the portfolio.
To prepare Consolidated Client Positions on regular basis.
Collate and follow up updating of RB and Bank Checks.
Competitive, dynamic, volatile and minimally regulated business environment with low entry / exit barriers.
Operate within well defined and demarcated business areas.
Effectively liaise with superiors and direct reports within the business unit, Wholesale Risk Management and related support units to achieve business objectives
Maintain close working relationship with clients to ensure in-depth understanding of business to reduce risks and maximize earnings.
Knowledge, Skills and Experience
Complete knowledge and clear understanding of the Bank’s credit policy and operating systems
Strong credit, legal knowledge and marketing skills are mandatory.
Thorough awareness of various financial product / services.
Excellent communication and analytical skills with ability to perform as a team player
Familiarity with core banking systems
BSc. In Finance/ Accounting with minimum experience of 2 – 4 years
MBA is a plus
- Minimum 5-7 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.
- 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 when required for the execution of responsibilities and / or needed by Relationship Team(s) for business purpose.
- Quick and timely turnaround of CPs while maintaining quality of analysis.
- Monitor borrowing pattern, account conduct of borrowers and provide information at each review, thereby ensuring effective portfolio management and ensuring that the portfolio quality is maintained by highlighting early warning signals.
- Independently manage the 'portfolio' of the relationships assigned.
- Remain vigilant to the possibility of any money laundering activities in the accounts, and escalate all suspected money laundering cases to the Unit Manager and Group Money Laundering Reporting Officer (MLRO).Timely action on all Near Default Signals (NDS).
