About the Role
In this role, you will assist in financial analysis, credit risk assessment, risk rating, and structuring of facilities for assigned corporate relationships. You will collaborate with Relationship Managers (RMs), meet customers, prepare Credit Proposals (CPs) for new, annual renewals, and amendments while liaising with Wholesale Risk Management (WRM) and the Compliance Unit to resolve queries related to risk and compliance issues.
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Key Responsibilities
- Review deals, facility structures, and credit products/services with the CIBG Relationship Teams/WRM, providing business solutions that meet customer requirements within credit and operational risk guidelines and policies.
- Meet clients and stakeholders involved in deals as required for the execution of responsibilities or as needed by the Relationship Team(s) for business purposes.
- Ensure quick and timely turnaround of CPs while maintaining quality analysis.
- Monitor borrowing patterns and account conduct of borrowers, providing information at each review to ensure effective portfolio management and maintain portfolio quality by highlighting early warning signals.
- Independently manage the portfolio of assigned relationships.
Problem Solving
- Apply analytical thinking, deductive logic, and educated judgment as required.
- Maintain a thorough understanding of organizational policies and procedures besides regulatory, operational, and compliance requirements.
- Coordinate with the relationship team and WRM to understand business transactions and relationship requirements, focusing on risk, regulations, and control issues.
- Be knowledgeable of local banking practices relating to regulatory, operational, compliance, and AML requirements.
Decision Making
- Utilize judgment in daily decisions, guided by superiors as required.
- Monitor and report on portfolio quality, size, and mix, ensuring adherence to risk/return guidelines.
- Recommend actions if risk profiles of a relationship or specific deal change.
- Evaluate account conduct and behavior of clients.
- Provide financial solutions tailored to customer requirements.
Knowledge, Skills & Experience
- 5-7 years of experience in credit/financial analysis at a similar level in banking or a related field.
- A degree in business/economics; a postgraduate diploma, Chartered Accountancy, or a similar qualification is considered an asset.
- Local market knowledge and familiarity with the bank's products and operating systems.
- Excellent command of verbal and written English; Arabic language proficiency is an advantage.
- Knowledge of banking laws and local regulations is essential.
- Strong interpersonal skills; should be a team player with participation experience in various banking initiatives and solutions.
