About the Role
Assist in the financial analysis, credit risk assessment, risk rating, and structuring of facilities for assigned corporate relationships. This involves working with Relationship Managers (RMs), meeting customers, preparing Credit Proposals (CPs) for new requests, annual renewals, and amendments. You will also liaise with Wholesale Risk Management (WRM) and the Compliance Unit to resolve all queries related to risk and compliance issues.
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Key Result Areas
- Review deals, facility structures, and credit products/services with the CIBG Relationship Teams and WRM to provide business solutions that comply with credit and operational risk guidelines and policies.
- Meet clients and involved parties as needed for business execution purposes or as required by the Relationship Team(s).
- Ensure quick and timely turnaround of CPs while maintaining the quality of analysis.
- Monitor borrowing patterns and account conduct of borrowers, providing information at each review, thus ensuring effective portfolio management by highlighting early warning signals.
- Manage the assigned portfolio of relationships independently.
Problem Solving
- Utilize analytical thinking, deductive logic, and educated judgment.
- Exhibit a thorough understanding of the institution's policies and procedures, as well as regulatory, operational, and compliance requirements.
- Maintain a clear understanding of business transactions and relationship needs in close coordination with the relationship team and WRM, focusing on risk, regulations, and control issues.
- Have an in-depth understanding of regulatory, operational, compliance, and AML requirements per local banking practices.
Decision Making
- Exercise judgment in daily decisions, with guidance from superiors if required.
- Monitor and report on portfolio quality, size, and mix to ensure adherence to risk/return guidelines.
- Report and recommend actions if the risk profiles of relationships or specific deals change.
- Comment on account conduct and behavior of clients.
- Provide financial solutions tailored to customer requirements.
Knowledge, Skills, and Experience
- Minimum 5-7 years of experience in credit/financial analysis at a similar level in banking or a related field.
- Degree in business or economics; a postgraduate diploma/Chartered Accountancy or similar qualification is considered an asset.
- Knowledge of the local market and sufficient understanding of the bank’s products and operating systems.
- Excellent command of verbal and written English; Arabic language skills are an added advantage.
- Familiarity with banking laws and local regulations.
- Strong interpersonal skills; should be a team player with experience in participating in various banking initiatives and solutions.
