Now it’s your time to join the #1 bank in the Middle East and one of the most prestigious financial companies in the region. Shaking up the world of banking requires a lot of smarts and skill. We’re looking for the brightest and best to help us reach our goals and we’ll also help you reach yours. Your success is our success as you grow stronger in your career. Join us and leave a legacy of your own, as a pioneer in both the company and the industry.

The purpose of the job is to lead a team of Senior Analysts and Analysts in preparing, reviewing and getting approval for structured of credit facilities for a portfolio of Corporate & Commercial banking clients

Generic Accountability

• To ensure that effective portfolio monitoring mechanism and processes are in place. 
• To ensure efficiency, reliability and speed in Credit Governance. 
• To guide team of Senior Analyst and Analyst on structuring of Credit facilities to ensure that all deals are structured in a sound and robust manner.   Guide team on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
• Guide and Oversees the due diligence process for prospective deals in collaboration with Coverage and Product teams to ensure that emerging risk factors are identified and addressed in the Credit Proposal.    
• Make recommendation to Credit Committees / Approving Authorities to take on assets which meets Bank’s Risk Acceptance criteria and policy Guidelines. 
• To deal with Internal & External auditor’s reports and take appropriate steps to close all the observations / issues raised in these reports.  Meet Internal and External auditors, as and when required, to discuss portfolio related queries. Focus is to avoid repeat comments and have satisfactory audit comments / rating.
• Engage with Policy Team / Senior Management to update Credit Policies and Approval Delegation Matrix as and when required.
•  To coordinate with other departments of the bank (e.g. Risk, Finance, TB, Operations etc.) on various Credit and allied issues on behalf of CIB Credit. 
• Ensure accuracy of data being presented to various stakeholders including senior management
• Recommend amendments to the Bank’s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank’s risk strategy & policy
• To ensure that team member’ remains engaged by maintaining appropriate workload balance across the team, motivating them to perform well, recognizing their efforts and providing feedback on regular basis.      
•  To coordinate with the Learning & Development Department / Product Partners to ensure that suitable training opportunities are provided to the team members, from time to time, to enhance their skills and abilities. 
•   To coordinate with IT to ensure that new technologies are launched from time to time to improve the productivity and efficiency of the Credit function of the bank. 
• To Guide the team of Senior Analyst and Analyst in preparing of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to Credit Committee / Approving Authorities for prospective and existing clients under assigned portfolio
• To coordinates with Coverage teams in advance to discuss deal pipeline of new / interim proposals, due dates of annual reviews so as to obtain necessary information to facilitate a comprehensive review of the credit facilities.
•  Conduct periodic Portfolio Review Meetings with Coverage to ensure good health / asset quality of the portfolio.
•  Undertake Joint Calls (customer meetings) along with the Coverage counterparts for new money, large ticket size transactions, stress accounts, etc as appropriate.
• Ensure with the team that the turnaround time to process credit application is as per agreed SLAs with CIB.
•  Participate in (large, complex) client relationships through client visits / conference calls as part of transaction initiation and monitoring
• Oversee the portfolio on regular basis to ensure that it remains healthy and all the terms & conditions approved are being complied with.   
• Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage by acting as second line of defence.
• Maintain appropriate workload balance across the team of analysts.
• Contribute to overall strategy of the group Credit Department under guidance from Senior Leadership.

Minimum Qualification

• Must have Bachelor’s degree.  
• Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree or diploma.  

Minimum Experience

• 15 years’ relevant experience in the banking sector with at least 10 years in similar positions of progressively increasing managerial responsibilities in the Credit function.