Credit Management & Control Manager (UAE National Only)

Job Purpose
Managing complex corporate transactions and onboarding new‑to‑bank relationships by preparing high‑quality credit applications aligned with the Bank’s risk appetite and policies. Conducting enhanced due diligence, identifying key risks and mitigants, and ensuring strong oversight and control through accurate information validation and adherence to credit, compliance, and regulatory requirements.

Key Result Areas
• Work closely with Originators on new to bank facilities, participating in discussions on customer requirements, facility structures, and key terms, while ensuring all information required for credit assessment is obtained in full.
• Conduct enhanced preliminary assessments at an early stage to determine appropriate facility structure, security packages, and key terms, ensuring alignment with business strategy and the Bank’s credit risk appetite.
• Prepare high quality credit proposals with comprehensive analysis of financial and operational risks, supported by detailed assessment of creditworthiness and repayment capacity.
• Perform in depth credit analysis for local and multinational corporates across all sectors within CIBG and IBG jurisdictions.
• Ensure timely submission of credit applications within approved turnaround times (TAT), in line with Mashreq’s internal service standards and business growth objectives.
• Manage risk in accordance with the Bank’s risk appetite and credit policies, clearly highlighting policy exceptions and recommending appropriate mitigants.
• Support KYC processes, conduct transaction screening, and perform enhanced and independent due diligence such as CBRB checks, E name searches, and other desktop reviews for higher risk relationships.
• Build and maintain strong working relationships with Credit Risk Management and participate in relevant discussions to support transaction approvals.
• Take ownership of assigned departmental and bank wide initiatives and projects, contributing to continuous improvement and operational efficiency.
• Adhere to Mashreq’s risk, compliance, and regulatory policies, ensuring necessary compliance approvals are obtained for higher risk customers or transactions.
• Develop and maintain a strong understanding of the Bank’s credit policies, products, and offerings.
• Review facility and security documents in coordination with Originators, liaising with Legal and other stakeholders to ensure accurate documentation and required approvals.
• Coordinate with Operations for limit setup and ensure appropriate approvals are secured for any exceptions.
• Support account opening processes in collaboration with Originators, Middle Office, and Compliance, ensuring smooth onboarding and full adherence to DOB system requirements.
• Act as the Business Unit Risk Assessor (BURA), conducting quarterly Risk & Control Assessments and ensuring compliance with the Bank’s Operational Risk Management (ORM) framework.
• Support during internal audit process, ensuring timely and accurate responses to audit inquiries.
• Provide guidance to junior team members and new joiners to support their development and integration.

Knowledge, Skills and Experience
• Bachelor degree in Finance or Accounting with minimum GPA of 3.0.
• Master degree in Finance or Business Administration is a plus.
• Minimum of 12 years of Credit risk management experience with a regional or multinational bank.
• Completion of relevant bank credit program or professional certification in risk management.
• Strong ability to read and interpret financial data with knowledge of credit risk and financial analysis.
• Good understanding of Central bank regulations, AML and Fraud policies.
• Good knowledge of banking products and understanding bank operations.
• Excellent communication, presentation and writing skills.
• Ability to handle multiple tasks, meet deadlines and work under pressure.