credit relationship manager

QNB Egypt

<div>
 
 About the job:
 
 
 
 
 
 
 Required vacancies in Corporate &amp; Investment Banking Division:
 
 
 <ul>
 <li>
 
 Project Finance Relationship Manager - Key Accounts / Syndicated loans
 
 (Minimum of 4 years of experience in the same or relevant field)
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 
 Relationship Manager
 
 -
 
 Groups Coverage &amp; Constructions / department
 
 (Minimum 2 years of relevant banking experience in addition to a certified credit course).
 </li>
 </ul>
 
 
 
 
 -----------------------------------------------------------------------------------------------------------
 
 <ul>
 <li>
 
 Project Finance Relationship Manager- Key Accounts / Syndicated loans
 
 </li>
 </ul>
 
 
 
 
 
 Duties &amp; Responsibilities
 
 :
 
 
 1. Responsible for assisting the Project Finance Manager in managing the project finance deals in coordination with Network/CIBD, including analyzing the transactions, due diligence process.
 
 
 2. Perform high-level due diligence on the client eligibility including dealing with other technical/environmental or legal consultants if needed (in house or external), requesting the required documents/reports, studying the reports/documents, site visits, client visit, etc.
 
 
 3. Assist in structuring the Facilities main terms and condition, Business plan construction.
 
 
 4. Assist in preparation of the Authorization to Proceed (ATP) Memos for required transactions.
 
 
 5. Assist in preparation of the credit proposal memo / file, supporting the Branch in fulfilling the required approvals and negotiating with risk (if required).
 
 
 6. Review the credit application and documentation related to project finance deals and support the Network/CIBD in preparation of the documentations and in assist in negotiation with legal consultant/other banks, etc. for the execution and booking process.
 
 
 7. Assist the Project Finance Manager in supporting the Network / CIBD in complex project finance transactions implementation and providing guidelines to Network/CIBD for proper monitoring the project completion/acquisition financing/other complicated transaction implementation.
 
 
 8. Ensure facilitating the execution and booking of project finance files to ensure implementation is meeting scheduled deadlines.
 
 
 9. Construct and establish Business Models and assist in negotiating with syndicate banks in case of acting as the Modeling Banks under the Syndicated Transactions.
 
 
 10. Ensure the correct functioning and implementation of the Permanent Supervision, Compliance and Money Laundering, Operational Risk, and Workplace Success Guidelines whenever and wherever possible.
 
 
 11. Ensure the correct adoption of policies and procedures in order to guarantee that the bank business is conducted in compliance with Local Laws, Internal Rules and Regulations, as well as International Standards
 
 
 
 
 
 
 Education
 
 :
 
 
 Bachelor's degree in commerce, Business Administration or Economics
 
 
 
 
 
 -----------------------------------------------------------------------------------------------------------
 
 <ul>
 <li>
 
 Relationship Manager -Groups Coverage &amp; Constructions
 
 </li>
 </ul>
 
 
 
 
 
 Duties &amp; Responsibilities
 
 :
 
 
 
 
 
 1. Assist in relationship management with the client by maintaining frequent contact through phone calls and attending visits and following up accordingly
 
 
 2. Start attracting new clients and cross selling of the bank&rsquo;s products.
 
 
 3. Monitor the client&rsquo;s position and utilization of the provided credit facilities and ensure the proper implementation of facilities.
 
 
 4. Prepare the required documentation for client visits.
 
 
 5. Collect and prepare required documents from the clients for credit memo preparation.
 
 
 6. Maintain regular follow up over facilities documentations, credit approvals, and operations follow up.
 
 
 7. Prepare internal reports (Call Reports, EWI etc.)
 
 
 8. Ensure maintaining organized and updated electronic archiving of the documents (approvals, memos, legal documents, financials, &hellip;etc.)
 
 
 9. To start learning &amp; mastering all policies and procedures in order to guarantee that QNB ALAHLI business is conducted in compliance with Local Laws, Internal rules and regulations.
 
 
 10. To start learning &amp; mastering applying the proper functioning &amp; implementation of permanent supervision system, Compliance and Money Laundering, Operational Risk, and Workplace Success Guidelines whenever and wherever possible
 
 
 
 
 
 
 Education
 
 :
 
 
 Faculty of Business, Economics, Commerce or Accounting
 
 
 
</div>

Corporate & Investment Banking Division

Taajeer Finance | تأجير للتمويل

<div>
 
 
 Company Description:
 
 
 
 Taajeer Finance offers innovative and flexible financing solutions for individuals and businesses, focusing on driving financial and economic growth for our clients. We are committed to delivering high-quality services in a professional and transparent environment. Join our team and be part of our ongoing success!
 
 
 
 
 
 
 Job Summary:
 
 
 
 The SME Credit Manager will oversee the credit portfolio of small and medium-sized enterprises (SMEs), providing tailored credit solutions while managing credit risk and ensuring compliance with company policies. This role focuses on assessing credit risks, portfolio management, and building strong client relationships.
 
 
 
 
 
 
 Key Responsibilities:
 
 
 <ol>
 <li>
 Define SME product programs: eligibility, limits, financial ratios, collateral, and covenants.
 </li>
 <li>
 Lead appraisal of obligor/transaction risk (financial statements, cash flows, bank statements, bureau data).
 </li>
 <li>
 Set and monitor industry/concentration limits; maintain watchlist and early‑warning triggers.
 </li>
 <li>
 Approve within authority; escalate to committee with clear risk/mitigation rationale.
 </li>
 <li>
 Coordinate with Legal on security perfection and with Operations on documentation.
 </li>
 <li>
 Provide feedback to Sales on packaging quality; deliver banker/relationship manager training.
 </li>
 <li>
 Review portfolio performance by cohort and recommend policy refinements.
 </li>
 </ol>
 
 
 
 
 
 Education &amp; Certifications:
 
 
 <ul>
 <li>
 Bachelor&rsquo;s/Master&rsquo;s in Finance/Accounting/Economics. Professional credit certifications preferred.
 </li>
 </ul>
 
 
 
 
 
 Experience:
 
 
 <ul>
 <li>
 +8 years in SME/corporate credit; strong financial analysis and collateral experience.
 </li>
 </ul>
 
 
 
 
 
 Competencies:
 
 
 <ul>
 <li>
 Financial &amp; Risk Analysis
 </li>
 <li>
 Sector/Credit Policy Design
 </li>
 <li>
 Collateral &amp; Structuring
 </li>
 <li>
 Judgment &amp; Escalation
 </li>
 <li>
 Stakeholder Communication
 </li>
 </ul>
 
 
</div>

SME Credit Manager

On-Hire

<div>
 Our client, a prominent player in the financial services industry, is seeking an experienced Credit Manager to join their finance team. The Credit Manager will be responsible for overseeing the credit management process and ensuring the company's credit policies are effectively implemented and adhered to.
 
 
 In this role, you will assess the creditworthiness of potential clients, manage credit limits, and lead a team dedicated to ensuring optimal cash flow while minimizing bad debt risk. Your expertise in risk assessment and relationship management will be key to maintaining positive client relations while safeguarding the company's financial interests.
 
 
 
 Key Responsibilities:
 
 
 
 <ul>
 <li>
 Lead the credit assessment team responsible for underwriting all loan applications (consumer and microfinance)
 </li>
 <li>
 Ensure that credit decisions are consistent, well-documented, and aligned with approved credit policies and product programs
 </li>
 <li>
 Develop and maintain standardized evaluation methodologies tailored to customer segments and product types
 </li>
 <li>
 Establish and enforce service level agreements (SLAs) for application turnaround time (TAT) across channels
 </li>
 <li>
 Implement robust quality control processes to detect and reduce errors, fraud, and deviations from policy
 </li>
 <li>
 Drive continuous improvement of underwriting workflows and use of decision-support tools and scoring models
 </li>
 <li>
 Work closely with the Credit Policy and Risk teams to provide feedback on observed credit trends, exceptions, and operational challenges
 </li>
 <li>
 Support testing and implementation of new credit policies, rule adjustments, and system upgrades
 </li>
 <li>
 Build, train, and lead a team of credit analysts, underwriters, and credit reviewers
 </li>
 <li>
 Develop competency frameworks, training plans, and performance KPIs to ensure consistent evaluation standards
 </li>
 <li>
 Foster a culture of accountability, speed, and risk awareness within the team
 </li>
 <li>
 Generate regular reports on application volumes, approval/rejection rates, exception trends, and team productivity
 </li>
 <li>
 Highlight key risk indicators and support root cause analysis of delinquency related to credit decisions
 </li>
 <li>
 Monitor turnaround time (TAT) and enhance efficiency in credit operations through automation and system integration
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 &squf; Bachelor's degree of Commerce, Business Administration, Accounting or equivalent.
 
 
 &squf; 8+ years of experience in credit risk, quality assurance, or related roles, with at least 3 years in a leadership position.
 
 
 &squf; Proven expertise in consumer and microfinance lending operations
 
 
 &squf; Experienced with automated credit decisioning systems or loan origination platforms. Skills:
 
 
 &squf; Strong knowledge of credit policies, underwriting processes, and regulatory requirements.
 
 
 &squf; Proficiency in data analysis, reporting tools, and quality assurance methodologies.
 
 
 &squf; Excellent leadership, problem-solving, and communication skills.
 
 
 &squf; Attention to detail and a strong focus on accuracy and compliance.
 
 
 &squf; Strategic thinking with the ability to align quality assurance practices with business goals.
 
 
 
 Benefits
 
 
 
 Attractive Package
</div>

Credit Manager - Consumer Credit

On Hire

Our client, a prominent player in the financial services industry, is seeking an experienced Credit Manager to join their finance team. The Credit Manager will be responsible for overseeing the credit management process and ensuring the company's credit policies are effectively implemented and adhered to.
 In this role, you will assess the creditworthiness of potential clients, manage credit limits, and lead a team dedicated to ensuring optimal cash flow while minimizing bad debt risk. Your expertise in risk assessment and relationship management will be key to maintaining positive client relations while safeguarding the company’s financial interests.
 
Key Responsibilities: 
1. Lead the credit assessment team responsible for underwriting all loan applications (consumer and microfinance).
 2. Ensure that credit decisions are consistent, well-documented, and aligned with approved credit policies and product programs.
 3. Develop and maintain standardized evaluation methodologies tailored to customer segments and product types.
 4. Establish and enforce service level agreements (SLAs) for application turnaround time (TAT) across channels.
 5. Implement robust quality control processes to detect and reduce errors, fraud, and deviations from policy.
 6. Drive continuous improvement of underwriting workflows and use of decision-support tools and scoring models.
 7. Work closely with the Credit Policy and Risk teams to provide feedback on observed credit trends, exceptions, and operational challenges.
 8. Support testing and implementation of new credit policies, rule adjustments, and system upgrades.
 9. Build, train, and lead a team of credit analysts, underwriters, and credit reviewers.
 10. Develop competency frameworks, training plans, and performance KPIs to ensure consistent evaluation standards.
 11. Foster a culture of accountability, speed, and risk awareness within the team.
 12. Generate regular reports on application volumes, approval/rejection rates, exception trends, and team productivity.
 13. Highlight key risk indicators and support root cause analysis of delinquency related to credit decisions.
 14. Monitor turnaround time (TAT) and enhance efficiency in credit operations through automation and system integration.
 
Requirements: 
<ul>
<li>Bachelor’s degree of Commerce, Business Administration, Accounting or equivalent.</li>
<li>8+ years of experience in credit risk, quality assurance, or related roles, with at least 3 years in a leadership position.</li>
<li>Proven expertise in consumer and microfinance lending operations</li>
<li>Experienced with automated credit decisioning systems or loan origination platforms. Skills:</li>
<li>Strong knowledge of credit policies, underwriting processes, and regulatory requirements.</li>
<li>Proficiency in data analysis, reporting tools, and quality assurance methodologies.</li>
<li>Excellent leadership, problem-solving, and communication skills.</li>
<li>Attention to detail and a strong focus on accuracy and compliance.</li>
<li>Strategic thinking with the ability to align quality assurance practices with business goals.</li>
</ul>
Benefits: 
Attractive Package

Commercial Bank International

<div>
 
 
 Job Purpose:
 
 
 
 
 
 
 Responsible for marketing solicitation of new corporate relationships for both Assets &amp; Liabilities. Directly responsible for handling corporate borrowing portfolio growth, quality &amp; profitability.
 
 
 
 
 
 
 
 
 
 Duties and Responsibilities:
 
 
 
 
 
 
 a) Monitor credit quality of portfolio for risk recognition &amp; assigning proper risk rating for each relationship.
 
 
 b) Develop marketing plan to identify corporate relationships within the accepted industries. Solicit new corporate relationships. Ensure quality of portfolio is satisfactory.
 
 
 c) Directly responsible to manage corporate customers portfolio &amp; other relationship manager portfolio. (Number of relationships and average size of the portfolio to be agreed with the Team Leader.)
 
 
 d) Develop marketing plan to identify corporate relationships within the accepted industries. Solicit new corporate relationships. Ensure quality of portfolio is satisfactory.
 
 
 e) Be highly responsive to customer needs and ensure high level of satisfaction of Clients in portfolio.
 
 
 f) Ensure quality of portfolio is maintained, with no direct credit losses.
 
 
 g) Maximize profitability, achieve business growth and targeted market share as per objectives.
 
 
 h) Pro-act to changes in marketplace.
 
 
 i) Ensure all documentation is valid and complete in assigned portfolio.
 
 
 j) Provide competitive market information.
 
 
 k) Achieve consistent growth in profits and business ensuring quality assets, in a highly competitive environment.
 
 
 l) Participate in the team's strategy planning.
 
 
 m) Interact with the Credit Risk Management and Advances Division to resolve their queries regarding credit proposals.
 
 
 n) Prepare credit packages if the Relationship Officer and Credit Analyst are not available.
 
 
 o) Monitor the performance of assigned employees; provide opportunities for their growth and development.
 
 
 p) Handle the Team Leader's responsibilities when he/she is on leave, business trips and other instances as agreed.
 
 
 q) Assist HCBG/ TL with various management reports in order to be put on the path for career growth.
 
 
 r) Perform any other duties or responsibilities consistent with the role as assigned by management.
 
 
 s) Responsible for all relationships within his/her portfolio including but not limited to the money laundering, financing of terrorism and sanctions risks associated with each customer.
 
 
 t) Always acts in the best interest of CBI to highlight any concerns related to a customer&rsquo;s personal and / or financial behaviors and activities.
 
 
 u) Responsible for ensuring that all actions required by Internal / External Audit are completed in a timely manner; and where any actions are passed their agreed due date, these should have explicit and minute approvals from the CEO.
 
 
 v) Takes ownership of exiting and / or restricting business relationships with existing, new clients or categories of clients where required, to avoid additional risk within own portfolio and across Segment books in general.
 
 
 w) Completes any actions required in relation to External Compliance; CBUAE and / or Compliance requests / interactions in line with the agreed timelines.
 
 
 x) Manages any actions and requests received by Internal compliance, in adherence to SOP, Policy, DOA, Corporate Governance and Brand guidelines against all agreed timeframes. In cases managed outside of the deadline, validation of all resolutions must be sought by the Head of Centralized Controls &amp; Governance.
 
 
 y) Responsible for ensuring both the quality of the client and all documentation through the Onboarding stages, to ensure minimal accounts are exited within the first 6 months.
 
 
 
 
 
 
 Education:
 
 
 
 
 
 
 &bull; Bachelors in Statistics or Accounting.
 
 
 
 
 
 
 Experience:
 
 
 
 
 
 
 &bull; Minimum 8 year's experience in corporate banking, preparing proposals, performing customer analysis, developing and implementing marketing plans, handling a wide range of issues pertaining to credit proposals, reviewing, managing assigned portfolio and employees.
 
 
 
</div>

Senior Relationship Manager - Corporate & Transaction Banking

Bespoke Smart financial services

Position: Relationship Officer &ndash; Credit Card Sales Location: DubaiWe are seeking a dynamic and self-motivated Relationship Officer to join our growing team in Dubai. This role focuses on promoting and selling credit card products, building strong customer relationships, and delivering exceptional service while consistently achieving sales targets.Key Responsibilities<ul><li>Proactively promote and sell credit card products to prospective customers through direct sales channels.</li><li>Assess customer needs and recommend suitable credit card solutions.</li><li>Consistently achieve or exceed monthly and quarterly sales targets.</li><li>Ensure full compliance with bank policies, procedures, and regulatory guidelines.</li><li>Deliver excellent after-sales service to maximize customer satisfaction and loyalty.</li><li>Coordinate with internal teams to ensure smooth processing of applications and prompt resolution of customer queries.</li></ul>Qualifications &amp; Skills<ul><li>Strong communication, negotiation, and interpersonal skills.</li><li>Target-driven with a passion for sales and customer engagement.</li><li>Ability to work independently and as part of a team in a fast-paced environment.</li><li>Fluency in English; knowledge of additional languages is a plus.</li></ul>Job Types: Full-time, Permanent, FresherPay: From AED3,000.00 per month

Relationship Officer – Credit Card Sales role in Dubai

Oilmar DMCC

<div>
 
 Job Summary:
 
 
 We are seeking an experienced Credit &amp; Compliance Manager to oversee both the credit risk and regulatory compliance functions. This role will lead a team of credit analysts while ensuring the company adheres to international trade, financial, and compliance regulations. The successful candidate will balance supporting commercial growth with protecting the company from credit losses, legal risks, and compliance breaches.
 
 
 
 
 
 Key Responsibilities:
 
 
 Credit Management
 
 
 &bull; Lead and mentor the credit team, ensuring robust credit analysis and effective risk mitigation.
 
 
 &bull; Establish, review, and enforce credit policies, procedures, and approval frameworks.
 
 
 &bull; Conduct counterparty risk assessments and approve credit limits in line with internal risk appetite.
 
 
 &bull; Monitor ongoing credit exposures, overdue payments, and counterparty performance.
 
 
 &bull; Maintain relationships with banks, insurers, and rating agencies to support credit decisions.
 
 
 &bull; Deliver timely risk reporting and recommendations to senior management and traders.
 
 
 
 
 
 Compliance Management
 
 
 &bull; Oversee company-wide compliance programs, including AML, sanctions, and anti-bribery policies.
 
 
 &bull; Ensure all counterparties undergo thorough KYC and due diligence processes.
 
 
 &bull; Monitor regulatory developments affecting commodity trading and marine fuels markets.
 
 
 &bull; Liaise with external regulators, auditors, and legal advisors to ensure adherence to compliance obligations.
 
 
 &bull; Develop internal training programs to strengthen compliance awareness across the business.
 
 
 &bull; Conduct periodic compliance audits and risk assessments, recommending corrective actions where needed.
 
 
 
 
 
 Leadership &amp; Collaboration
 
 
 &bull; Act as a key business partner to trading, operations, legal, and finance teams.
 
 
 &bull; Support commercial teams by balancing business opportunities with prudent risk and compliance controls.
 
 
 &bull; Report regularly to senior management on credit exposures, compliance risks, and mitigation strategies.
 
 
 &bull; Foster a culture of integrity, accountability, and responsible trading within the organization.
 
 
 
 
 
 Requirements:
 
 
 &bull; Bachelor&rsquo;s degree in Finance, Economics, Business (Master&rsquo;s degree or professional certifications such as CFA, FRM, ACAMS, ICA are an advantage).
 
 
 &bull; 5+ years of experience in credit risk and compliance, with at least 3 years in a managerial role.
 
 
 &bull; Strong knowledge of commodity or marine fuels trading, shipping, or energy markets.
 
 
 &bull; Proven track record in managing credit risk frameworks and compliance programs.
 
 
 &bull; Familiarity with trade finance, credit insurance, sanctions regimes, and AML regulations.
 
 
 &bull; Exceptional leadership, analytical, and decision-making skills.
 
 
 &bull; Strong communication and stakeholder management abilities, with a commercial mindset.
 
 
 &bull; Ability to work effectively in a fast-paced, international trading environment.
 
</div>

Credit & Compliance Manager

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