credit relationship manager

Mashreq

<div>
 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 Credit Risk Management (CRM) and the Compliance Unit to resolve all queries related to risk and compliance issues, respectively.
 
 
 Key Result Areas
 
 - Review with the CIBG Relationship Teams/WRM, deals, facility structures, credit products / services, and provide business solutions which meet business and customer requirements within credit and operational risk guidelines and policies.
 
 
 - Quick and timely turnaround of CPs while maintaining quality of analysis.
 
 
 - Ensure terms laid out in the proposal are in line with client expectations to avoid significant deviations in the approved terms. Exposures to be monitored along with RAROC and overall profitability
 
 
 - Monitoring mechanisms laid out in Lending Guideline and Credit Policy to be followed up with Credit Control Unit for strict adherence
 
 
 - Ensure review of all Early Alert instances and promptly bring to the attention of Direct Supervisor
 
 
 - Analytical thinking, up to date on Macro Economic trends influencing the Industry
 
 
 - Thorough understanding of Mashreqbank&rsquo;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 5-7 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&rsquo;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.
</div>

Credit Relationship Manager.COE Pak - CIBG - TC Portfolio Management & Monitoring.Corporate & Investment Banking Group-PAKCOE

IDFC FIRST Bank

<div>
 
 Job Requirements
 
 
 
 About the Role
 
 
 The
 
 Relationship Manager &ndash; Kisan Credit Card (KCC)
 
 is a specialized role within the
 
 Rural Banking
 
 function, focused on delivering tailored financial solutions to KCC customers. The role involves acquiring new customers, deepening existing relationships, and ensuring exceptional service delivery. The incumbent will work closely with product and operations teams to drive customer acquisition, servicing, and portfolio growth. This role contributes directly to the branch banking channel&rsquo;s objectives by managing New-to-Bank (NTB) clients and enhancing customer profitability.
 
 
 Key Responsibilities
 
 
 
 Primary Responsibilities
 
 
 
 <ul>
 <li>
 Increase liabilities by growing balances in accounts of existing KCC customers and capturing a larger share of wallet.
 </li>
 <li>
 Monitor account inflows and outflows to proactively identify business opportunities.
 </li>
 <li>
 Maintain close contact with customers through mailers and calls, sharing insights on interest rates, exchange rates, and product offerings.
 </li>
 <li>
 Generate new sales leads for KCC through referrals, brokers, and other sources.
 </li>
 <li>
 Acquire new KCC customers with a strong understanding of credit assessment and financial documentation.
 </li>
 <li>
 Leverage expertise in liabilities, foreign exchange, trade finance, delinquency management, and relationship management to grow business volumes.
 </li>
 <li>
 Manage the KCC portfolio through continuous monitoring, renewals, retention, and ensuring portfolio hygiene with minimal deferrals and covenant breaches.
 </li>
 <li>
 Collaborate with branch banking teams to optimize synergies and work within the broader bank ecosystem.
 </li>
 <li>
 Evaluate growth strategies based on competitor analysis and customer feedback.
 </li>
 <li>
 Recommend process improvements to enhance service efficiency and quality across the branch network.
 </li>
 <li>
 Demonstrate ability in sales planning, promotions, and marketing initiatives.
 </li>
 <li>
 Understand financial statements, credit assessment processes, and title/security documentation.
 
 
 </li>
 </ul>
 Secondary Responsibilities
 
 
 <ul>
 <li>
 Attract and retain top talent for key roles within the reporting structure.
 </li>
 <li>
 Monitor employee productivity, hiring quality, and attrition rates; implement necessary improvements.
 </li>
 <li>
 Enable teams to achieve growth targets by providing strategic and operational support.
 
 
 </li>
 </ul>
 What We Are Looking For
 
 
 Education
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in any discipline.
 
 
 </li>
 </ul>
 
 Experience
 
 
 
 <ul>
 <li>
 Minimum of 3 years of relevant experience in rural banking, KCC/credit products, or relationship management.
 
 
 </li>
 </ul>
 Skills and Attributes
 
 
 <ul>
 <li>
 Strong understanding of KCC products and rural customer needs.
 </li>
 <li>
 Proficiency in credit assessment and financial documentation.
 </li>
 <li>
 Excellent communication, relationship-building, and problem-solving skills.
 </li>
 <li>
 Strategic mindset with the ability to drive business growth.
 </li>
 <li>
 High level of integrity and compliance orientation.
 </li>
 <li>
 Ability to lead teams and manage performance metrics effectively.
 </li>
 <li>
 Familiarity with banking operations, portfolio hygiene, and customer service standards.
 </li>
 </ul>
</div>

Relationship Manager-KCC

First Abu Dhabi Bank (FAB)

<div>
 
 The objective of the Bank in respect of EPB is to become a pre-eminent private bank in the region and be a market leader across UAE in the priority banking arena. Clients in this segment include the High-Net-Worth Individuals &amp;/or all of their group entities representing diverse interests ranging from operating businesses to wide range of investment across various asset classes.
 
 
 
 
 
 The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for private banking credit portfolio. The role also entails compliance with all credit policies and guidelines. This is senior level role where the staff will engage in high value tickets where structuring of facility is key for complex bespoke facilities. In addition to provide credit underwriting support for assigned portfolio&rsquo;s for facilities in UAE and KSA, the role also assists in obtaining necessary approvals for assigned portfolio in international locations of private banking.
 
 
 
 
 
 The role is required to engage with the relationship manager in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.
 
 
 
 
 
 
 Skills
 
 
 
 Loan facilities to the High Net Worth and Ultra High Net Worth clients are structured around the loan size, collateral type, tenor and the financial strength of the borrower. Credit facilities are offered under various lending structures such as Lombard facilities, Commercial/Residential Real Estate and Insurance Financing. Accordingly, the job holder is expected to demonstrate deep knowledge of products, industry, markets, financial statements so that he/she can work across all product groups and respond in a timely manner. Hence it is critical that the job holder, among other credit skills, is able to demonstrate the following EPB-specific skill set:
 
 
 
 
 <ul>
 <li>
 A thorough understanding of risks associated complex facility structures
 </li>
 <li>
 Good understanding of documentation/legal requirements for different types of credit facilities
 </li>
 <li>
 Strong initiative and interactive approach to problem solving while displaying flexibility and negotiation skills.
 </li>
 </ul>
 
 
 
 
 He/She is expected to be solution oriented and requires out of the box thinking without seeking to dilute the high standards of credit and be strong partner for business.
 
 
 
 
 
 
 Key Accountabilities
 
 
 <ul>
 <li>
 Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.
 </li>
 <li>
 Conduct robust credit analysis by ensuring that appropriate Target Market Risk Acceptance Criteria and PBW GCP guidelines are followed as part of approval process.
 </li>
 <li>
 Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring. Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
 </li>
 <li>
 Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.
 </li>
 <li>
 Ensures timely availability of required information to approving authority for credit decision making.
 </li>
 <li>
 Ensure accuracy of data being presented to various stakeholders including senior management
 </li>
 <li>
 Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
 </li>
 <li>
 Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
 </li>
 <li>
 Recommend amendments to the Bank&rsquo;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&rsquo;s risk strategy &amp; policy
 </li>
 <li>
 Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented
 </li>
 </ul>
 
 
 
 
 
 Specific Accountability
 
 
 <ul>
 <li>
 Preparation of comprehensive credit proposals clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio
 </li>
 <li>
 Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
 </li>
 <li>
 Ensure credit processing &amp; approval turnaround times as per agreed SLAs.
 </li>
 <li>
 Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
 </li>
 <li>
 Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
 </li>
 <li>
 Oversight the mark-to-market revaluation process and take ownership of liaising with the respective RMs to rectify any margin call situations.
 </li>
 <li>
 Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
 </li>
 <li>
 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.
 </li>
 <li>
 Manage problem credits closely and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.
 </li>
 <li>
 Ensure accuracy of data being presented to various stakeholders including senior management
 </li>
 <li>
 Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.
 </li>
 </ul>
 
 
 
 
 
 Minimum Qualification
 
 
 <ul>
 <li>
 Must have Bachelor&rsquo;s degree.
 </li>
 <li>
 Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.
 </li>
 </ul>
 
 
 
 
 
 Minimum Experience &amp; Skill Set
 
 
 <ul>
 <li>
 Minimum 5 years relevant experience in the banking sector with at least 4-5 years in Credit function.
 </li>
 <li>
 Good understanding of various credit products such as Lombard lending, Real Estate financing, FX and Derivatives.
 </li>
 <li>
 Understanding of various Investment products such as bonds, sukuks, stocks, mutual funds, structured notes etc.
 </li>
 <li>
 Ability to look into and beyond Personal Net Worth Statements/financials and see business proposition.
 </li>
 <li>
 Strong structuring skills
 </li>
 <li>
 Good understanding of legal and regulatory framework.
 </li>
 <li>
 Ability to work under pressure
 </li>
 <li>
 Strong communication skills &ndash; written and spoken.
 </li>
 </ul>
</div>

VP, Credit Management

<div>
 
 
 Job Purpose
 
 
 
 To support the preparation, assessment, structuring, and ongoing management of Real Estate and Hospitality credit exposures across the UAE and selected international markets. The role contributes to end‑to‑end credit analysis, including underwriting, approval recommendations, and post‑approval monitoring, in line with the Bank&rsquo;s risk appetite, sector strategy, and regulatory requirements.
 
 
 
 
 
 The position works closely with senior Credit colleagues, Relationship Management, Product, Risk, and Legal teams on a range of financing structures, gaining exposure to complex transactions while operating within established credit frameworks.
 
 
 
 
 
 
 Key Accountabilities
 
 
 <ul>
 <li>
 Perform detailed credit analysis and risk assessment for real estate and hospitality financing, including IPRE, Development and Construction finance, and Hospitality assets.
 </li>
 <li>
 Prepare credit applications, financial analysis, and approval recommendations
 </li>
 <li>
 Support structuring of facilities such as term loans, revolving facilities, and guarantees, ensuring alignment with approved risk parameters.
 </li>
 <li>
 Assist in the management of a sector specific credit portfolio, including Annual and interim credit reviews, monitoring of covenant compliance and account conduct, and tracking financial performance and key risk indicators.
 </li>
 <li>
 Work collaboratively with Relationship Managers, Coverage and Product teams to support credit assessments and client discussions.
 </li>
 <li>
 Contribute to responses for audit, regulatory, and internal review queries related to assigned transactions and portfolio accounts
 </li>
 <li>
 Ensure credit work adheres to Group Credit Policies, Sector specific underwriting standards, and Delegated approval frameworks
 </li>
 <li>
 Maintain agreed credit processing timelines (SLAs) while ensuring accuracy and completeness of submissions.
 </li>
 <li>
 Build and maintain understanding of UAE and regional real estate and hospitality market trends and key regulatory and risk developments affecting the sector
 </li>
 <li>
 Participate in internal discussions and training related to sector risk, underwriting standards, and portfolio trends.
 </li>
 </ul>
 
 
 
 
 
 
 Qualifications &amp; Experience
 
 
 
 
 
 Education
 
 
 <ul>
 <li>
 Minimum Bachelor&rsquo;s degree in Finance, Accounting, Economics, or a related field (mandatory).
 </li>
 <li>
 Professional qualification preferred: CA, CFA, CPA, CAIA
 </li>
 </ul>
 
 
 Experience
 
 
 <ul>
 <li>
 Minimum 6 years of banking experience with minimum 3 years in credit analysis or risk roles, preferably within Real Estate and/or Hospitality financing.
 </li>
 <li>
 Ability to work within established credit frameworks while developing independent judgment.
 </li>
 <li>
 Underwriting and credit analysis experience for regional and global real estate markets would be preferred.
 </li>
 </ul>
</div>

AVP & Lead, Credit Management

Money Concepts financial brokers

&quot;RELATIONSHIP OFFICERS&quot;&quot;PEOPLE WITH MATCHING EXPERIENCE AND AVAILABLE IN UAE, CAN JOIN IMMEDIATELY, O​NLY TO APPLY&quot;We are looking for Relationship / Sales Officer (tele callers) for sales of Credit Cards.Multiple vacancies are open for this positionWHAT WE OFFER .Salary 2,000-5,000 AED /pm + commission based on sales24 month contract,Visa and medical insurance provided by companyRequirements: Banking retail sales experience in UAE minimum 6 months or 1+ years in home country. Fluent in English, (Written and Spoken) .Product Training will be provided by the CompanyProfessional working environmentSend your Resume on the the given number.Only candidate available in UAE. All OTHERS DO NOT APPLYMr Iqbal A K . +971562455241Call and whatsappJob Type: Full-timePay: AED2,000.00 - AED5,000.00 per monthApplication Question(s):<ul><li>Can join immediately</li></ul>Experience:<ul><li>Credit card and personal loans sales: 1 year (Required)</li></ul>Language:<ul><li>Fluent English (Required)</li></ul>Location:<ul><li>Dubai (Required)</li></ul>

Relationship officers for the sales of credit cards

The Home Depot

<div>Position Purpose:
The Financial Services &amp; Payments Finance Manager is responsible for managing the FS&amp;P P&amp;L including cost of acceptance, private label credit card P&amp;L, and G&amp;A. The Finance Manager&rsquo;s responsibilities include: (i) P&amp;L forecasting and planning, (ii) preparing and presenting financial analysis to FS&amp;P leadership, (iii) preparing monthly and ad-hoc reporting, (iv) identifying trends and develop/implement strategies to achieve financial targets, and (v) reviewing and analyzing the performance of Home Depot&rsquo;s Private Label Credit Card portfolios. Additionally, the associate will manage the relationship with Global FP&amp;A and act as a liaison to Accounting. 
Key Responsibilities:<ul><li>
Strategic Analysis/Problem Solving - Works to fully understand business; identify and implement process and organizational improvements. Plans and ensures execution of department objectives. Participates in preparation of the annual budget, reviews monthly expenditures and ensures that budgetary goals are met. Reviews monthly metrics to ensure goals are met.</li><li>
Conduct financial planning for function and make appropriate recommendations.</li><li>
Leads, plans, and coordinates work teams in an efficient manner to effectively perform any financial function and activity; utilizes metrics to track performance and manage workload. Ensures operational processes and procedures are compliant and consist with established policies.</li><li>
Drive key functional financial metrics.</li><li>
Project Management- Develops and supports a strategic alliance with business partners. Participates in cross-functional activities focused on solving business issues and enhancing our competitive advantage. Facilitates cross-functional communication with other areas of the business including but not limited to Finance, Human Resources, Real Estate, Operations, and Information Systems.</li></ul> 
Direct Manager/Direct Reports:<ul><li>
Typically reports to a Sr. Manager</li><li>
This position has direct reports.</li></ul> 
Travel Requirements:<ul><li>
Typically requires overnight travel 5% to 10% of the time.</li></ul> 
Physical Requirements:<ul><li>
Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions there may be a need to move or lift light articles.</li></ul> 
Working Conditions:<ul><li>
Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.</li></ul> 
Minimum Qualifications:<ul><li>
Must be eighteen years of age or older.</li><li>
Must be legally permitted to work in the United States.</li></ul> 
Preferred Qualifications:<ul><li>
Experience in Planning (Budgeting), Forecasting, and Financial Analysis</li><li>
MBA preferred.</li><li>
5+ years of experience in Finance and/or Accounting.</li><li>
Private Label Credit or Bankcard portfolio analysis</li><li>
Working knowledge of SQL and Google BigQuery</li><li>
SAP/S4 HANA</li><li>
AI: Gemini and Copilot</li></ul> 
Minimum Education:<ul><li>
The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.</li></ul> 
Preferred Education:<ul><li>
No additional education</li></ul> 
Minimum Years of Work Experience:<ul><li>
5</li></ul> 
Preferred Years of Work Experience:<ul><li>
No additional years of experience</li></ul> 
Minimum Leadership Experience:<ul><li>
None</li></ul> 
Preferred Leadership Experience:<ul><li>
None</li></ul> 
Certifications:<ul><li>
None</li></ul> 
Competencies:<ul><li>
Knowledge of accounting principles and practices, analysis and reporting of financial data.</li><li>
Knowledge of business and mgmt. Principles involved in strategic planning and resource allocation.</li><li>
Project management skills; ability to prioritize and multi-task effectively.</li><li>
Judgement and decision-making skills; considering relative costs, benefits of potential actions.</li></ul></div>

Manager, Finance - Credit Services

KinFitz & Co.

<div>
 
 Credit Manager (Trade Finance) &ndash; SME Lending
 
 
 
 
 
 
 The opportunity
 
 
 
 A fast-growing UAE fintech lender is hiring a
 
 Credit Manager
 
 to strengthen its
 
 trade finance
 
 approval capability. The business has scaled quickly and needs an experienced credit decision-maker who can
 
 approve or decline SME trade finance cases independently
 
 , at pace, while keeping risk discipline high.
 
 
 
 
 
 This is a hands-on role in a scaling team. You won&rsquo;t manage people initially, but you will guide analysts, improve case quality, and remove the credit approval bottleneck.
 
 
 
 
 
 
 Key details
 
 
 
 Work setup: Hybrid (3 days office, 2 days remote)
 
 
 
 What you&rsquo;ll be doing
 
 
 <ul>
 <li>
 Take
 
 final credit decisions
 
 on SME trade finance cases within delegated authority
 </li>
 <li>
 Assess and structure facilities including
 
 working capital lines, invoice discounting, and reverse factoring
 
 </li>
 <li>
 Review analyst credit memos, challenge assumptions, and raise quality of analysis and documentation
 </li>
 <li>
 Spot fraud and operational risk flags early and push for the right mitigants
 </li>
 <li>
 Present and defend decisions in a risk committee setting when required
 </li>
 <li>
 Help standardise underwriting approaches and improve turnaround time without compromising quality
 </li>
 <li>
 Work closely with the Head of Credit and cross-functional stakeholders to keep approvals flowing
 </li>
 </ul>
 
 
 What you need
 
 
 <ul>
 <li>
 Minimum
 
 4 years
 
 of direct experience in
 
 trade finance credit
 
 (ideally 5 to 10 years overall credit experience)
 </li>
 <li>
 Strong exposure to
 
 SME lending
 
 in the UAE market (mandatory)
 </li>
 <li>
 Practical understanding of trade finance products and risk drivers:
 
 invoice discounting, reverse factoring, working capital facilities
 
 </li>
 <li>
 Comfortable operating in a fast-paced environment with high volumes and tight SLAs
 </li>
 <li>
 Strong written and verbal communication in English, able to justify approvals and declines clearly
 </li>
 <li>
 Confidence owning decisions, not relying on layers of committee approval for every case
 </li>
 </ul>
 
 
 Nice to have
 
 
 <ul>
 <li>
 Experience in fintech, alternative lending, or high-growth environments
 </li>
 <li>
 Prior involvement in credit policy refinement, delegated authority frameworks, or process improvements
 </li>
 <li>
 Experience working with data-led credit processes and rapid credit turnaround expectations
 </li>
 </ul>
</div>

Credit Manager - Trade Finance

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