Assistant Relationship Manager - Credit Analyst - Commercial Banking

Assistant Relationship Manager (Credit Analyst)

Job Role:

Assistant Relationship Manager

Role Overview: Join a Leading Multinational Commercial Bank

Essential Duties & Responsibilities by Dimensions:

A. Shareholder & Financial:

- Proactively assist in the implementation of the strategies and plans to achieve all volume, revenue, development and profit targets for the SRM's customer portfolio.

- Proactively support the SRM in the development of Key Performance Indicators for the purpose of systematic performance monitoring and quality measurement of the SRM's function, customer portfolio development and the monitoring of achievements.

- Proactively support the SRM in upholding and monitoring full compliance with prevailing best corporate banking practice.

B. Customer (Internal & External):

- Proactively support SRM in maintaining and developing customer relationships, acting as an alternative to an SRM, as required.

- To act in the full capacity of an RM taking responsibility for a designated portfolio, as required.

- Proactively support SRM in dealing with and resolving customer problems and requirements, in coordination with appropriate in house and external support functions, to ensure timely, friendly and accurate responses and provision of Bank products / services.

- Provide timely and accurate information to the external and internal auditors and Corporate Banking's compliance function, as and when required.

- Build and maintain strong and effective relationships with all other related functions / units to assist in the achievement of the SRM's and Corporate Banking's goals and objectives.

C. Internal (Processes, Products, Regulatory):

- Proactively support the SRM to develop and manage on a day to day basis both potential new customer targets and existing customers to meet assigned financial and non-financial targets, in compliance with its policies and procedures, regulations and prevailing best practices.-

- Assist the SRM to prepare comprehensive credit proposals for new / prospective customers that adequately address all relevant risk factors and satisfy minimum acceptable standards of its corporate credit.

- Assist the SRM to prepare comprehensive credit reviews for existing customer facilities, at least one month before limit expiry, that adequately address all relevant and current risk factors and the latest developments in the industry, market and business.

- Assist the SRM to identify and timely report on all negative events and early signals on potentially problematic accounts / relationships.

- Assist the SRM to maintain the timely review of credit applications and documents within set turn around time, in coordination with Credit Risk. Support the SRM, and others as requested, in identifying weak aspects of credit applications.

- Assist the SRM in monitoring SRM's customer credit positions for full compliance with set limits and it's Investment and Credit Strategy.

- Support the SRM in the preparation of periodic Management and Business Information reports to executive management, as requested.

D. Learning & Knowledge:

- Possess good knowledge of the corporate banking business; its products and services, related risks, documentation, regulatory requirements and report preparation together with a superior knowledge of controls.

- Develop a good knowledge of SRM's portfolio of customer's business and needs.

- Possess good IT skills to be able to compose correspondence and reports using standard Bank platform and applications.

E. Other:

- Ensure high standards of confidentiality and ethics to safeguard commercially sensitive information and avoid conflicts of interest.

- All other ad hoc duties and/or activities related to it's that management may request of the employee from time to time

Education/Experience Requirements:

- University graduate with preferably a masters in a commerce/business discipline.

- At least 4-6 years relevant experience in the banking industry, preferably with a large local / International Bank.

- Well-informed of the market competitive structure, industry practices and any regulations for the corporate banking customer segment.

Required Special Skills:

- Good people relationship and credit documentation skills and awareness of risk management concept and practices.

- Good negotiation skills.

- Good oral and written communication skills in English. French and/or Arabic (preferred).

- Understanding of the relevant laws, regulations and practices pertaining to Corporate Banking products.

- Personal integrity, self-motivation and self-management.

- Outstanding problem solving skills.

- Good planning, organizing and analytical ability.

- Outstanding customer service orientation.

- Strong performance orientation.

Note: Considering candidates only from Banking Industry