About the Role
As part of the financial analysis team, you will assist in the credit risk assessment, risk rating, and structuring of facilities for assigned corporate relationships. Your responsibilities will include collaborating closely with Relationship Managers (RMs), meeting customers, preparing Credit Proposals (CPs) for new proposals, annual renewals, and amendments, and liaising with Wholesale Risk Management (WRM) and the Compliance Unit to address any inquiries related to risk and compliance issues.
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Responsibilities
- Review with the CIBG Relationship Teams/WRM deals, facility structures, and credit products/services while providing business solutions that adhere to credit and operational risk guidelines and policies.
- Meet clients and involved parties as required for the execution of responsibilities or as requested by Relationship Team(s) for business purposes.
- Ensure the quick and timely turnaround of CPs while maintaining high-quality analysis.
- Monitor borrowing patterns and account conduct of borrowers, providing information during each review to ensure effective portfolio management and maintain portfolio quality by highlighting early warning signals.
- Independently manage the 'portfolio' of assigned relationships.
- Stay alert for any potential money laundering activities in accounts and escalate all suspected cases to the Unit Manager and Group Money Laundering Reporting Officer (MLRO). Take timely action on all Near Default Signals (NDS).
Qualifications
- A minimum of 5-7 years of experience in credit/financial analysis at a similar level in banking and/or a related field.
- A degree in business/economics; a post-graduate diploma, Chartered Accountancy, or a similar qualification will be considered an asset.
- Local market knowledge along with a sufficient understanding of the bank's products and operating systems.
- Excellent command of verbal and written English; proficiency in Arabic will be an added advantage.
- Familiarity with banking laws and local regulations.
- Strong interpersonal skills with a capacity to be a team player and experience in participating in various banking initiatives and solutions.
