Primary focus will be to contribute to the transformation in the technological solutions and tools for the Loan Portfolio Management (LPM) team for essential monitoring and proactive portfolio management of the GCF loan portfolio post approval / execution and for critical MIS and analysis for management consideration.

Specific Accountability

▪ Sound understanding of all the financial ratios mentioned in the Facility Agreements relevant to various loans and their drawdowns being captured in the LPM system and relevant LPM trackers.

▪ Assist the LPM team monitor a dedicated portfolio of assets with regards to waivers, amendments, increases, credit warning signs

▪ Monitor credit trends in the portfolio; detect and escalate notable industry trends and recommend appropriate action to senior team members; Perform sector analysis regularly in order to assess portfolio concentration or trends

▪ Be responsible for timely preparation of various portfolio analysis reports for management consideration.

▪ Sound understanding of corporate banking products: Term Financing (syndicated / bilateral), working capital loans (Trade/ Bank Guarantee/ Letter of Credit/ Trust receipts, Global Markets (Fx, Options, Hedge), Cash Management etc.

▪ Accurate and timely completion of credit analyses for new and existing loans

▪ Assist the bank LPMSD team to ensure compliance with all Legal, Compliance, Risk and Audit requirements. Alert management and assist to take appropriate action to meet regulatory requirements (UAE & International)

Qualification

▪ Bachelor’s degree in Finance / Engineering

▪ Strong academic background from reputable institutions in the Middle East or UAE market preferred.

▪ Ongoing certification / postgraduate in finance / management education preferred.

Experience

▪ 5+ years’ relevant experience in banking and financial services sector with significant credit and risk experience.

▪ Understanding of Legal concepts and loan mechanics, LMA, APLMA and various documentation clauses for LPM, covenants, security etc.

▪ Understanding implications of financial accounting and valuation principles

▪ Strong writing, analytical communication and presentation skills

▪ Advanced knowledge of Microsoft Word, Excel and PowerPoint

▪ Working under pressure and strict deadlines while maintaining attention to detail and quality of output.

▪ Fluent in English both written and verbal. Knowledgeable of local, Middle East and International markets