Job Purpose:

Assist in building a Corporate unit within Mashreqbank PSC, London Branch (“MBUK”), whilst managing credit structuring: including for bilateral, syndicated & structured facilities, and also non-lending transactions, and overall portfolio management for Corporate relationships, in order to ensure achievement of defined profitability targets within MBUK’s risk & operational parameters.

Key Result Areas:

• Key relationship point for Corporate clients predominantly in UK; driving the growth of client coverage by developing new to bank relationships as well as deepening existing relationships, in line with the Branch’s strategic mandate.
• Support the International Banking teams on origination activities and transactions including deal closures relating to MBUK’s corporate clients
• Assist senior management in the consolidation of the unit budget and ensure all operations of the unit are in accordance with the approved Bank’s policies and guidelines.
• Recommend improvements to the unit’s policies and direct the implementation of procedures and controls covering all areas of the assigned unit activity so that all relevant procedural / legislative & regulatory requirements are fulfilled whilst delivering a quality, cost-effective service.
• Manage a number of industries and / or sectors in which existing clients operate and potential clients reside, act as the subject matter expert in the respective industries / sectors, and proactively engage in business development within the industries / sectors to increase the number of customers, size of portfolios, and revenues for the Bank.
• Maintain an understanding of market / economic trends, and the effects of socio-economic factors, including increasingly Environmental, Sustainability & Governance (ESG), on those trends to proactively develop appropriate credit rating systems, risk mitigation methodologies and credit proposals.
• Develop and maintain effective business relationships / strategic alliances with all relevant external/internal entities (such as key / strategic clients, service providers etc.) with the highest standards of good conduct & business ethics, whilst promptly attending to all critical issues to maximize divisional revenues.
• Negotiate lending and non-lending transactions, including highly structured, with clients ensuring compliance with Bank’s policies and local laws and regulations.
• Review terms of facilities, credit reports and legal documentation of clients when invited to participate in facilities in order to check backgrounds and risk profiles.
• Supervise the preparation of timely and accurate MIS statements and reports of the unit to meet company and department requirements, policies and standards.

Knowledge, Skills and Experience:

• Expert credit / financial / market analysis / loan syndication skills.
• In depth understanding of economic conditions in UK, accompanied with viable knowledge of key drivers of corporate growth in the markets.
• Strong existing relationships with large UK Corporates.
• Sound knowledge of investor risk theory so that appropriate new product / service recommendations are made to clients and suitable risk controls are implemented.
• Expert knowledge of credit proposal processes and procedures.
• Sound high-level understanding of UK regulatory and risk management environments.
• Expert knowledge of relevant corporate banking products / services.
• Effective client relationship and negotiation skills
• Effective interpersonal and presentation skills
• Detailed knowledge of competitor products/services.
• MBA or equivalent with a minimum 10 years of banking experience