About the Role
Join the company Corporate and Institutional Banking (CIB) and enhance your career in a pivotal role within the Credit & Capital Management Services (CCMS). This division is implementing a modern and consistent end-to-end (E2E) operating model, which includes establishing the Business Credit Office (BCO). The BCO will centralize first-line credit risk responsibilities, including structuring, credit analysis, and client credit monitoring, and will serve as a client-facing unit focused on customer service and satisfaction.
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As an Associate in this area, you will provide credit advisory and support services to Relationship Managers (RMs) and Coverage. This involves facilitating client reviews and renewals, conducting outreach, and performing financial and credit analysis to ensure strong risk management practices are integrated throughout the credit and lending (C&L) processes.
In this role, you will:
- Combine client relationship management with strong risk assessment and management capabilities to ensure required credit quality and requisite returns on risk.
- Be responsible for the delivery of BCO tasks in line with agreed Objectives and Key Results (OKR), Service Level Agreements (SLAs), and Key Performance Indicators (KPIs).
- Own the end-to-end Credit & Lending servicing journey, ensuring a seamless process for customers and internal stakeholders.
- Participate in deal discussions and client meetings involving credit risk.
- Build and maintain strong relationships across teams, earning credibility with both Business and Risk leaders.
- Engage in constructive dialogue with risk partners to balance commercial outcomes and risk management effectively.
- Work with the BCO Team Lead to integrate adequate credit risk controls into operations and ensure robust Management Information (MI) is in place to monitor risk against thresholds.
- Drive continuous improvements in productivity while enhancing client experiences.
- Adopt technology and customer experience improvement initiatives and participate actively in training initiatives.
- Protect the Bank by acting as the First Line of Defense and adhering to all controls.
- Maintain internal control standards, ensuring timely implementation of audit recommendations and addressing issues raised by external regulators.
To be successful in the role, you should meet the following requirements:
- Proven expertise in corporate lending with strong analytical skills.
- Sound credit knowledge with proven skills in writing credit proposals.
- Strong understanding of financing instruments and banking products for Wholesale Banking.
- Proficient stakeholder management skills to navigate complex situations and align with senior leaders.
- Tenacious with numbers—ability to analyze and interpret data effectively.
- A trust earner who listens attentively, speaks candidly, and treats others respectfully.
- Committed to quality, with high standards for work and problem-solving skills.
- A critical thinker capable of operating independently using judgment in dynamic environments.
- Attention to detail with a willingness to apply professional skepticism and challenge the status quo.
- A 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, with valid attestations and equivalency for degrees obtained outside the UAE being mandatory.
Benefits
The company is committed to fostering a culture where employees feel valued and respected. We take pride in providing flexible working conditions, continuous professional development opportunities, and a diverse working environment. We believe that diversity enhances innovation, risk management, and overall business success.
