Credit Relationship Manager – TC Portfolio Management & Monitoring

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

📋 Description

• Support financial analysis, credit risk evaluation, risk rating, and facility structuring for designated corporate relationships by collaborating with Relationship Managers (RMs / SRMs), engaging with customers, preparing Credit Proposals (CPs) (new, annual renewals, amendments, etc.), and coordinating with Credit Risk Management (CRM) and the Compliance Unit to address all inquiries related to risk and compliance matters.

• Collaborate with the CIBG Relationship Teams/WRM to review deals, facility structures, and credit products/services, providing business solutions that align with both business and customer needs while adhering to credit and operational risk guidelines and policies.

• Ensure prompt and efficient processing of CPs while maintaining high-quality analysis.

• Confirm that the terms specified in the proposal align with client expectations to prevent significant deviations from approved terms. Monitor exposures alongside RAROC and overall profitability.

• Follow up with the Credit Control Unit to ensure compliance with monitoring mechanisms outlined in the Lending Guideline and Credit Policy.

• Review all Early Alert instances and promptly escalate them to the Direct Supervisor.

• Assume the responsibilities of the RM during their absence (leave/training/secondment, etc.) and provide necessary guidance to the team.

⛳️ Requirements

• A minimum of 6-9 years of experience in credit/financial analysis at a comparable level in banking and/or a related field.

• A degree in business/economics. A postgraduate diploma, Chartered Accountancy, or a similar qualification will be considered advantageous.

• Familiarity with the local market and a solid understanding of the bank's products and operational systems.

• Excellent verbal and written English skills. Proficiency in Arabic will be an additional benefit.

• Knowledgeable about banking laws and local regulations.

• Strong interpersonal skills, demonstrating teamwork and participation in various banking initiatives and solutions.

🏝️ Benefits

• Understanding of regulatory and legal frameworks, banking conventions, agreements, and practices.

• Familiarity with all Mashreqbank policies, guidelines, and manuals (risk, operational, Anti-Money Laundering, etc.).

• Internal working relationships: CRM, IBG, TCM, OPS.

• External relationships: CIBG Customers.

• Proficient analytical thinking and awareness of macroeconomic trends affecting the industry.

• Comprehensive knowledge of Mashreqbank’s policies and procedures alongside regulatory, operational, and compliance requirements.

• Clear understanding of business transactions and relationship needs in close collaboration with the relationship team and WRM, with a focus on risk, regulations, and control issues.

• A thorough understanding of regulatory, operational, compliance, and AML requirements as they pertain to local banking practices.

• Ability to exercise judgment in daily decisions, seeking guidance from superiors when necessary.

• Responsibility for monitoring and reporting on portfolio quality, size, mix, and adherence to risk/return guidelines.

• Monitor, report, and recommend actions if there are changes in the risk profiles of a relationship or a specific deal.

• Provide commentary on the account conduct/behavior of clients.

• Deliver financial solutions to meet customer requirements.