Assistant Relationship Manager

Mashreqbank PSC; United Arab Emirates; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading financial institution in the UAE is seeking a finance professional to undertake analysis of financial statements and prepare credit proposals focusing on risk analysis. The ideal candidate will possess strong credit and legal knowledge, excellent communication skills, and a minimum of 2-5 years of relevant experience. An MBA/CA is preferred. This role offers an opportunity to develop strong relationships with clients and contribute to credit policy evaluations.

Qualifications

• Complete knowledge and understanding of the Bank’s credit policy and operating systems.
• Minimum experience of 2-5 years in relevant roles.
• Thorough awareness of various financial products and services.

Responsibilities

• Undertake analysis of financial statements.
• Prepare credit proposals focusing on risk analysis.
• Coordinate with Relationship Manager for necessary information.
• Establish relationships with Credit Manager for clarifications.

Skills

Credit and legal knowledge

Communication skills

Analytical skills

Team player

Marketing skills

Education

MBA/CA preferred

Job description

Key Result Areas

• Undertake spreading and in depth meaningful analysis of financial statements.
• Discuss customers requirements, line structure and related terms and conditions with Relationship Manager / Account Manager.
• Coordinate with Relationship Manager to ensure that all necessary information required for processing a credit proposal are obtained from the customer.
• Preparation of all credit proposals with due focus on risk analysis and mitigants, in terms of financial business, operational management and environmental factors and duly supported by the financial highlights addressing key factors, in accordance with the Bank Policy. Credit presentations to be prepared in precise and balanced manner and reflect high quality and standard.
• Acquire thorough knowledge about the bank’s credit policies, products and services.
• Establish cordial relationship with Credit Manager and provide clarifications on any queries raised.
• Attending to customers calls as may be required. Client Queries / referred service requests / credit related queries to be attended in timely manner
• Robust housekeeping and monitoring of assigned portfolio ensuring MERs, deferrals, audit queries, covenants etc. if any are attended to and regularised in timely manner
• Work closely with UH/UM/TL/RM & team for overall process improvements

Knowledge, Skills and Experience

• Complete knowledge and clear understanding of the Bank’s credit policy and operating systems.
• Strong credit and legal knowledge and marketing skills mandatory.
• Thorough awareness of various financial product / services.
• Excellent communication and analytical skills with ability to perform as a team player.
• MBA/CA is preferred with minimum experience of 2-5 years.