Assistant Relationship Manager - T&W Capital-TWC Partially Secured

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Mashreq is seeking an Assistant Relationship Manager for T&W Capital TWC Partially Secured in the United Arab Emirates, a full-time onsite role. The role centers on in-depth financial statement analysis, gathering information for credit proposals with the Relationship Manager, and preparing risk-based proposals aligned to policy for high-quality presentations. You’ll deepen knowledge of the bank’s products, support the Credit Manager, and oversee timely client queries and portfolio housekeeping with the team. Requirements include strong credit and legal knowledge, policy fluency, marketing acumen, and excellent communication and analytical skills; MBA or CA preferred with 2-5 years of experience. To apply, tailor your resume to showcase credit policy, risk analysis, and successful proposals, quantify outcomes, and demonstrate cross-functional collaboration and UAE market familiarity; attach a concise cover letter.

Key result Areas    
•    Undertake spreading and in depth meaningful analysis of financial statements.
•    Discuss customers requirements, line structure and related terms and conditions with Relationship Manager / Account Manager.
•    Coordinate with Relationship Manager to ensure that all necessary information required for processing a credit proposal are obtained from the customer.
•    Preparation of all credit proposals with due focus on risk analysis and mitigants, in terms of financial business, operational management and environmental factors and duly supported by the financial highlights addressing key factors, in accordance with the Bank Policy. Credit presentations to be prepared in precise and balanced manner and reflect high quality and standard.
•    Acquire thorough knowledge about the bank’s credit policies, products and services.
•    Establish cordial relationship with Credit Manager and provide clarifications on any queries raised.
•    Attending to customers calls as may be required. Client Queries / referred service requests / credit related queries to be attended in timely manner
•    Robust housekeeping and monitoring of assigned portfolio ensuring MERs, deferrals, audit queries, covenants etc. if any are attended to and regularised in timely manner 
•    Work closely with UH/UM/TL/RM & team for overall process improvements

Knowledge, Skills and Experience    
•    Complete knowledge and clear understanding of the Bank’s credit policy and operating systems.
•    Strong credit and legal knowledge and marketing skills mandatory.
•    Thorough awareness of various financial product / services.
•    Excellent communication and analytical skills with ability to perform as a team player.
•    MBA/CA is preferred with minimum experience of 2-5 years.