Credit Relationship Manager – Portfolio Management & Monitoring

This is a fully remote position, open to applicants in Pakistan.

📋 Description

• Assist in conducting financial analysis, assessing credit risk, evaluating risk ratings, and structuring facilities for designated corporate relationships.

• Collaborate with Relationship Managers and Senior Relationship Managers while engaging with customers.

• Prepare comprehensive Credit Proposals that encompass new applications, annual renewals, and modifications.

• Coordinate with the Credit Risk Management and Compliance Unit to address risk and compliance inquiries.

• Review transactions, facility structures, and credit products in collaboration with CIBG Relationship Teams and WRM.

• Offer business solutions that adhere to credit and operational risk guidelines and policies.

• Ensure a swift and timely turnaround of Credit Proposals while upholding the quality of analysis.

• Confirm that proposal terms meet client expectations and keep track of exposures, RAROC, and overall profitability.

• Follow up with the Credit Control Unit regarding monitoring mechanisms as mandated by Lending Guidelines and Credit Policy.

• Analyze Early Alert instances and promptly escalate these to the Direct Supervisor.

• Serve as the Relationship Manager in the absence of the RM and provide direction to the team.

• Comprehend and comply with the regulatory and legal framework, banking conventions, agreements, and practices.

• Adhere to Mashreqbank policies, guidelines, and manuals, including those related to risk, operations, and Anti-Money Laundering.

• Oversee and report on portfolio quality, size, and composition, ensuring compliance with risk/return guidelines.

• Monitor, report, and suggest actions when the relationship or deal risk profiles evolve.

• Comment on client account conduct and behavior.

• Provide tailored financial solutions to meet customer needs.

• Collaborate with internal stakeholders, including CRM, IBG, TCM, and OPS, as well as external CIBG customers.

⛳️ Requirements

• A minimum of 7-9 years of experience in credit or financial analysis at a similar level within banking or a related field.

• A degree in Business or Economics.

• Familiarity with the local market and adequate knowledge of the bank's products and operational systems.

• Exceptional command of both verbal and written English.

• Proficiency in Arabic would be an additional advantage.

• Knowledgeable about banking laws and local regulations.

• Strong interpersonal skills.

• A team player with experience participating in a variety of banking initiatives and solutions.

🏝️ Benefits

• Competitive salary and performance-based incentives.

• Opportunities for professional development and career advancement.

• Comprehensive health and wellness programs.

• Supportive work environment that fosters collaboration and teamwork.