Unit Manager.CIBG - Corporate Origination and Business Development.41.Corporate & Investment Banking Group - UAE National

About This Role

Deliver revenue targets through onboarding good quality lending portfolio along with strong focus on transaction banking, trade and TCM. Focus on onboarding quality which would entail preparation of high quality credit applications with proper identification of risks which aligns with bank's TM RAC and credit policies. Support Managing Director with strategy, business planning and take on new initiatives / projects for the division.

• Lead a team of 5 of Credit/ Senior Credit Relationship Managers (CRMs) who will prepare and submit high quality credit proposals which meets internal standards and also ensure maximize share of wallet.
• Responsible for leading and managing 1 Governance Officer and 1 onboarding officer to monitor onboarding quality of Corporate accounts while ensuring that Mashreq's standards are maintained and Bank's AML and sanctions policies are adhered at all times.
• Ensure that CRMs submit CPs along with BIR, spreads, MRS, client visits (including warehouse visits) and TM / RAC approvals within turnaround time (TAT)
• Ensure that CRMs review KYC, RAROC, factoring survey reports and ensure working with RMs & UMs to get concurrence on limit structure and terms and conditions.
• Work closely with WRM to obtain approvals and resolve any queries
• Promote a risk and compliance culture within the team and alignment to Mashreq Bank policies and practices.
• Monitor onboarding quality, develop and design additional controls / early warning indicators based on division risk appetite and market developments.
• Plan and prioritize work appropriately considering importance, urgency, customer and business impact to ensure quick (TAT) and therefore take part in the pipeline discussions to anticipate upcoming transactions
• Perform quarterly Risk Control and Self-Assessment (RCSA) tests to ensure that control deficiencies / needs-improvement issues are escalated and addressed in a timely manner.
• Work with MD on preparation and update of tactical and strategic strategy for the division and ensure implementation and required actions
• Assist MD with business planning ranging from pipeline mix, industry exposures, budgeting and performance tracking.
• Manage risks in line with banks risk appetite and also to recommend cross sell opportunities based on industry benchmarks / banks benchmark.
• Demonstrate sound leadership and management capability in leading the team while ensuring high level of motivation and overall engagement.
• Recruit, develop and retain talent within the CMC team.
• Well-developed credit risk analysis and sanctioning skills, with minimum 15+ years of Corporate Coverage and/or Credit risk management experience;
• Good knowledge of Mashreq bank's capabilities, specifically the full spectrum of CIBG products, services and product offerings.
• Proficiency in credit, marketing, operations, legal, product and balance sheet management is a pre-requisite.
• Sound knowledge of Bank's policies and operating systems
• Good understanding of local regulations, AML and Fraud policies;
• Good knowledge of local market/clients and an understanding of the impact of credit terms and process as part of broader negotiations;
• Strong leadership and management ability with good employee motivation skills;
• Change management and interpersonal skills Good written / verbal communication and presentation skills;
• Planning, time management and resource management skills.