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

Overview

• 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.