Credit Relationship Manager – TC Portfolio Management & Monitoring

Mashreq

Credit Relationship Manager in Corporate & Investment Banking analyzing financials and structuring facilities for corporate clients in Pakistan. Collaborating with teams to assess risks and ensure compliance.

Posted 7/13/2026full-timeRemote • 🇵🇰 PakistanMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial analysis, credit risk assessment, and structuring credit facilities while ensuring compliance with banking regulations. Proficient in preparing Credit Proposals and collaborating with Relationship Managers to meet client expectations and operational risk guidelines.

Highest-signal resume keywords

Credit Risk AssessmentFinancial AnalysisCredit Proposal PreparationBanking Regulations KnowledgeInter-Personal Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AssessmentFinancial AnalysisCredit Proposal PreparationRisk RatingLending Guidelines Monitoring

Soft Skills

Inter-Personal SkillsTeam PlayerCommunication Skills

Tools & Technologies

Banking ProductsOperating Systems

Certifications & Qualifications

Chartered AccountancyPost Graduate Diploma

Industry Keywords

Credit Risk ManagementCompliance UnitCorporate RelationshipsCIBG Relationship TeamsRAROC

About the role

Key responsibilities & impact

Assist in the financial analysis, credit risk assessment, risk rating and structuring of facilities for assigned corporate relationships, by working with the Relationship Managers (RMs / SRMs), meeting the customers, preparing Credit Proposals (CPs) (new, annual renewals and amendments etc.) and liaising with Credit Risk Management (CRM) and the Compliance Unit to resolve all queries related to risk and compliance issues, respectively.
Review with the CIBG Relationship Teams/WRM, deals, facility structures, credit products / services, and provide business solutions which meet business and customer requirements within credit and operational risk guidelines and policies.
Quick and timely turnaround of CPs while maintaining quality of analysis.
Ensure terms laid out in the proposal are in line with client expectations to avoid significant deviations in the approved terms. Exposures to be monitored along with RAROC and overall profitability
Monitoring mechanisms laid out in Lending Guideline and Credit Policy to be followed up with Credit Control Unit for strict adherence
Ensure review of all Early Alert instances and promptly bring to the attention of Direct Supervisor.
During RM’s absence (leave / training/secondment etc.), step into the role of the RM, and provide the required guidance to the team.

Requirements

What you’ll need

Minimum 6-9 years of experience of credit / financial analysis at similar level in banking and / or related field.
Degree in business / economics. A post graduate diploma / Chartered Accountancy or a similar qualification will be considered as an asset.
Local market knowledge and sufficient knowledge of the bank’s products and operating systems.
Excellent command over verbal and written English. Arabic language skill will be an added advantage.
Conversant with banking laws and local regulations.
Good inter-personal skills. Should be a team player and participation experience in variety of banking initiatives and solutions.

Benefits

Comp & perks

Regulatory & legal framework, banking conventions, agreements and practices.
All Mashreqbank policies, guidelines and manuals (risk, operational, Anti-Money Laundering etc.)
Working relationships: Internal: CRM, IBG, TCM, OPS
External: CIBG Customers
Analytical thinking, up to date on Macro Economic trends influencing the Industry
Thorough understanding of Mashreqbank’s policies and procedures in addition to regulatory, operational and compliance requirements.
Clear understanding of business transactions and relationship requirements with close coordination with the relationship team and WRM, without losing focus on risk, regulations and control issues.
Regulatory, operational, compliance and AML requirements would require thorough understanding of local banking practices.
Should use their judgment in daily decisions and be guided by superior if required.
Responsibility to monitor and report portfolio quality, size, mix and ensure adherence to risk / return guidelines.
Monitor, report and recommend actions if risk profiles of a relationship or a specific deal changes.
To comment on the account conduct/ behavior of client.
Provide financial solutions to customer requirements