Assistant Corporate Relationship Manager / HBTF Bahrain

Key Roles & Responsibilities :

Support Corporate Banking Relationship Managers in their daily tasks and customers transactionsProvide support to key relationship managers in managing and following up on customers' credit portfolio.Review and evaluate the credit portfolio periodically to mitigate financing risks within the CBB's and the bank's credit policies.Prepare studies, memoranda, and credit approval forms for all types of facilities (direct and indirect)
Review appropriate recommendations and conduct necessary follow-ups to mitigate associated risks and enhance the bank's profitability.Analyze financial statements of new and existing customers and prepare credit recommendations.Analyze clients' financial statements and prepare detailed financial reports.Assess credit risks and prepare financing and credit recommendations.Review periodic financial statements and compare them with previous projectionsProvide support in preparing economic feasibility studies and reviewing cash flow statements, original and alternative payment sources, and other details of the credit note.Ensure all credit files are up-to-date and contain all required documentation.Monitor loan and credit facility repayments to ensure compliance with agreed payment schedules.Support key relationship managers in ensuring that credit studies and memos comprehensively address credit demand, objectives, and conditions in compliance with the bank’s policies and guidelines.Coordinate with concerned authorities regarding syndicated loans (for accounts managed from the Bahrain branch) to obtain necessary approvals, prepare and sign contracts, activate the loan on the system, and conduct required follow-ups.Contribute in proposing of appropriate financing structures, repayment terms, and risk assessments for requested financing.Assist in coordinating with all stakeholders to align on credit recommendations and resolve disagreements where possiblePerform any tasks assigned by the line manager or regional manager.Participate in risk assessments (financial, market, and management risks…etc), evaluating liquidity, profitability, cash flow, and economic feasibility, and make suitable recommendationsSupport relationship managers in reviewing the adequacy of collateral/guarantees to ensure risk coverage and protection of the bank’s interests.Assist relationship managers in identifying inconsistencies between credit recommendations and the bank’s policies, procedures, and regulatory requirements (in Bahrain and Jordan).Support business development efforts by helping to attract new clients in the areas of facilities and deposits, ensuring targets across banking products are met.Coordinate with relevant departments to promote products and facilitate cross-selling initiativesAssist relationship managers in maintaining and developing client relationships through meetings, visits, and calls to understand and address financing needs.Assist in preparing financing offers for both existing and new customers according to the bank's approved instructions.Manage corporate client accounts and ensure seamless banking operations in line with approved proceduresFollow up on the updating of guarantees provided by customers and ensure their validity and continuity.Communicate with customers in the event of delays in payment and provide appropriate solutions.

Qualifications & Requirements :
Practical knowledge of the general credit policy of the bank and its annexes for each region.Practical knowledge of the instructions of the Central Bank of Bahrain and the supervisory authorities in the host countries.Knowledge of legal frameworks, banking regulations, and market dynamics in host regions.Practical knowledge of credit studies, financial analysis, and economic feasibility studiesBachelor's degree in one of the business-related fields or a relevant discipline.English Language: Advanced level in both writing and speaking.Technical Skills: Proficiency in Microsoft applications, including PowerPoint, Excel, and Word

Nationality: -
Only Bahrainis and expats currently working in the Bahraini banking sector may apply