Regional Sales Manager jobs in United Arab Emirates

The Commercial Finance Manager will play a strategic role in securing and optimising financial resources for the Group. This position is responsible for structuring and negotiating financing solutions, managing credit portfolios, supporting investment decisions, and ensuring robust financial planning and risk management. The role involves close collaboration with internal departments and external financial institutions to align funding strategies with business objectives.

1. Attraction of Financial Resources for Group Enterprises

• Lead negotiations to establish credit lines for the Group and structure financing deals
• Identify suitable borrowers within the Group, determine appropriate credit volumes, and coordinate the submission of required documentation to financial institutions
• Organise financing across Group entities, including project finance, investment funding, working capital support, subsidised short-term loans, and other financing instruments
• Negotiate terms for credit agreements, guarantees, and pledges; oversee the preparation and execution of all related credit security documentation
• Manage the issuance of bank guarantees to counterparties (e.g., for payment obligations and VAT refunds) and verify guarantees provided by counterparties to safeguard Group interests
• Support and monitor ongoing financing transactions on a monthly and quarterly basis; ensure timely compliance with all terms and covenants of credit and security agreements, and coordinate cross-functional collaboration
• Oversee the fulfilment of payment obligations related to loan servicing (principal, interest, fees), ensuring adherence to account turnover requirements in partnership with the Group's cash management team

• Optimise the structure, duration, and cost-efficiency of the Group’s credit portfolio

• Draft and manage internal loan agreements for Group and related-party financing, including extensions and amendments
• Monitor settlements and ensure proper reconciliation of mutual obligations

• Oversee property and liability insurance programs
• Define optimal insurance premiums and coverage, including policies for pledged assets (real estate, equipment)
• Arrange and renew mandatory and property insurance contracts in a timely manner

• Prepare and validate financial models based on management reports and operational data to evaluate the Group’s financial condition and identify risks of covenant breaches (in collaboration with the Budget and Analytical Department)

• Maintain updated data on ongoing and planned investment projects to assess financing needs and arrange targeted funding (in coordination with relevant departments)

• Contribute to the preparation of financial reports for individual entities and consolidated Group statements
• Reconcile loan balances and interest (including intragroup loans)
• Support asset impairment testing and maintain up-to-date information on covenant compliance
• Liaise with external auditors for data requests

• Review and analyse the financial implications of contracts to protect the Group’s interests, collaborating with Legal, Finance, and Internal Audit departments

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