Responsibilities:
- Receives the accounts within the portfolio under their responsibility and the nature of the transaction according to the decision of the EWS Committee, for the purpose of starting to manage the relationship with clients referred by the concerned committee.
- Monitors and manages the accounts for which a decision has been made by the EWS Committee, including all accounts (commercial, companies, and large corporations) that have been transferred to the Credit Processing Unit, and takes/follows up on the necessary corrective actions for these accounts.
- Manages the relationship with clients, conducts field visits, prepares visit reports and cash flow reports in coordination with all relevant departments such as Business Development, Credit Review, and Legal Department whenever necessary, reviews all terms, agreements, and contracts, and revises the account plans, CVI, and risk ratings according to the direct supervisor's instructions.
- Performs an audit of the early warning indicators for clients listed on the early warning lists, develops an action plan and timeline, and follows up on correcting the indicators that led to the inclusion of these accounts (account restructuring and enhancing guarantees) to help accelerate the return of the account to normal status within the Business Development departments or transfer it to Credit and Legal follow-up departments as per specified periods.
- Modifies account coding in the banking system for purposes such as changing account manager/profitability, etc.
- Examines client compliance with issued administrative decisions and all financial and non-financial conditions and commitments. In case of breach, submits memorandums to decision-makers that enhance the bank's position regarding guarantees, pricing, and imposing all fees and commissions resulting from clients' failure to meet all conditions and requirements outlined in the administrative decisions.
- Prepares periodic reports to the EWS Committee, including updates on progress in the action plan, detailing the determinants and commitments related to studying the removal of accounts listed within the Credit Processing Unit and their return to the business portfolio or direct transfer to the legal department.
- Serves as an original/alternate member within the business continuity plan and emergency teams assigned to him/her, executing all required tasks according to the plan to minimize crisis impacts and resume operations as quickly as possible.
Requirements
University degree in Administrative Sciences, Banking, or any related field.
Practical experience of no less than five (5) years in various banking functions, including three (3) years in credit facilities.
Good knowledge of English.
Good knowledge of policies and procedures governing work and their updates (internal and external).
Ability to analyze clients' financial data, study the client's financial position, and make credit decisions based on that information.
Full knowledge of the services and products offered by the bank.
Knowledge of technical and legal aspects related to various credit facilities provided by the bank.
Practical and technical knowledge of laws related to corporate finance, documentation and verification, corporate law, bankruptcy, insolvency, and liquidation.
Knowledge of the banking market, different market sectors, and existing economic conditions within the market scope.
Knowledge of the instructions, laws, and regulations of the Central Bank of Jordan.
Communication skills.
Proficiency in computer use and dealing with different applied systems.
Planning and organizational skills.
Analytical and problem-solving skills.
Negotiation and persuasion skills.
Ability to handle work pressure.
