Credit Analyst - Qualified Chartered Accountant

Job Purpose
• Assist in the financial analysis, credit risk assessment, risk rating and structuring of facilities for assigned corporate relationships, by working with the Relationship Managers (RMs), meeting the customers, preparing Credit Proposals (CPs) (new, annual renewals and amendments etc.) and liaising with Wholesale Risk Management (WRM) and the Compliance Unit to resolve all queries related to risk and compliance issues, respectively.

Key Result Areas
• During the UM’s absence (leave / training/secondment etc.), step into the role of the UM, and provide the required guidance to the team.

The incumbent has to understand and abide by:
• Regulatory & legal framework, banking conventions, agreements and practices.
• All Mashreqbank policies, guidelines and manuals (risk, operational, Anti-Money Laundering etc.)
• Working relationships:

Internal: CIBG Marketing, IBG, TCM, WRM

External: CIBG Customers

Problem Solving
• Analytical thinking, deductive logic and educative judgment required.
• Thorough understanding of Mashreqbank’s policies and procedures in addition to regulatory, operational and compliance requirements.
• Clear understanding of business transactions and relationship requirements with close coordination with the relationship team and WRM, without losing focus on risk, regulations and control issues.

Regulatory, operational, compliance and AML requirements would require thorough understanding of local banking practices.

Knowledge, Skills and Experience
• Minimum 6-9 years of experience of credit / financial analysis at similar level in banking and / or related field.
• Degree in business / economics. A post graduate diploma / Chartered Accountancy or a similar qualification will be considered as an asset.
• Local market knowledge and sufficient knowledge of the bank’s products and operating systems.
• Excellent command over verbal and written English. Arabic language skill will be an added advantage.
• Conversant with banking laws and local regulations.
• Good inter-personal skills. Should be a team player and participation experience in variety of banking initiatives and solutions