About the Role
Join the team at the company Corporate and Institutional Banking (CIB) as we implement a modern, consistent end-to-end (E2E) operating model. The Credit & Capital Management Services (CCMS) department is introducing a Business Credit Office (BCO) that will centralize first line credit risk responsibilities including structuring, credit analysis, rating recommendations, client credit monitoring, and negotiation of credit terms. The role of Associate will support Relationship Managers (RMs) by providing credit advisory and support services, ensuring high standards of risk management are upheld throughout the Credit & Lending (C&L) process.
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In this role, you will:
- Combine client relationship management with strong risk assessment and management capabilities, ensuring the required credit quality and requisite returns on risk.
- Deliver BCO tasks in line with agreed Objectives and Key Results (OKR), Service Level Agreements (SLAs), and Key Performance Indicators (KPIs).
- Manage the end-to-end Credit & Lending servicing journey, ensuring a seamless and efficient process for customers and internal stakeholders.
- Participate in deal discussions and meetings with clients or credit risk.
- Build and maintain strong relationships across teams, establishing credibility with both Business and Risk leaders.
- Engage in constructive dialogue with risk partners to balance commercial outcomes with risk management effectively.
- Collaborate with the BCO Team Lead to ensure strong credit risk management controls and robust management information (MI) to monitor risk against thresholds.
- Drive continuous improvement in productivity while enhancing client experience.
- Adopt technology and customer experience initiatives aligned with a consistent C&L operating model and participate in training initiatives.
- Act as the First Line of Defense, adhering to all controls to protect the Bank.
- Maintain internal control standards, implementing internal and external audit recommendations and addressing external regulatory concerns.
To be successful in the role, you should meet the following requirements:
- Proven expertise in corporate lending, demonstrating strong analytical skills.
- In-depth knowledge of credit analysis and the ability to write credit proposals.
- Strong understanding of financing instruments and banking products for Wholesale Banking.
- Excellent stakeholder management skills, with the capability to navigate complex situations and align senior leaders.
- Proficient in analyzing and interpreting data, with strong numerical aptitude.
- A strong trust earner who actively listens, speaks candidly, and treats others with respect.
- Committed to high-quality work, solving problems effectively.
- Critical thinking ability, capable of operating independently in a dynamic environment.
- Detail-oriented with a professional skepticism, willing to challenge the status quo.
- Degree in Business, Finance, or a related field is highly desirable.
- A full-time graduation degree of at least three years is essential for obtaining a UAE visa and work permit, along with valid attestations and equivalency for degrees obtained outside the UAE.
What We Offer
The company fosters a culture where all employees are valued, respected and heard. We provide a workplace that encourages continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Diversity enhances our ability to innovate, manage risk, and relate to our customers.
Travel Requirements
This role may require some travel, depending on client and business needs.
