Description de l’annonce:

Job context:

The creation of Marketing and Products department within the Retail Banking Department, requires products Officer specialized in deposits and services products including Digital Banking and Digital marketing, to ensure the best result of our commercial offers.

Education:

• Bac + 4 or more, with a specialty in Management, Marketing, Finance, Economics or IT.

Experience:

• 1 year in the management of DIGITAL marketing.

Key responsibilities: 

• . Define, devise, and update retail banking products (individuals, professionals, and SMEs) related to deposits and services products, according to the requirements of the marketing mix (product, price, distribution, communication),in cooperation and consultation with the various business managers ( heads of commercial animation, HRB), and with the contribution of other entities at HO (Risks, compliance, IT, legal, etc.)
• . Implement operational marketing tools to contact customers and promote products and services offers, via the branch network and other distribution channels (POS, mailing, etc.).
• . Evaluate the profitability of each type of product and service.
• . Ensure polyvalence with loan product officer.

Description de l’annonce:

Education and experience:

• – University degree with further post-degree qualifications desired in Audit, Accounting or Finance (e.g. Master CCA
• – Accounting Audit Control, CPA, CFA, CIA, MBA,…);
• – Minimum experience of 5 years of Auditing in Financial Institutions (Internal Audit Department or with an external firm);

Description de l’annonce:

 Head of Wholesale Credit

As the Head of Wholesale Credit, you’ll have the overall responsibility for credit decisions for the Bank’s Corporate and Financial Institutions clients, working in alignment with the relevant credit teams and committees. You’ll have the support of an experienced team of Credit Officers and manage a wide variety of stakeholders in both front office and across the Credit Risk department.

Essentially you’ll be:

• ·  Reviewing, approving, declining or recommending to appropriate higher authority, corporate credit applications for new originations, renewals or modification of existing loans terms and conditions
• ·  Reviewing credit applications and analyzing exposures of Financial Institutions in line with the bank’s risk appetite
•  
• ·  Responsible for the quality of loans including Watchlist loans, loan delinquencies and monitoring of classified loans
• ·  Responsible for enforcing the group’s credit policies and procedures to mitigate risk and ensuring alignment to the Central Bank regulation
• ·  Continuously monitoring loans, to ensure annual reviews are well documented and risk ratings are accurate, identifying deteriorating credits and taking appropriate action to mitigate risk and communicate performance and concerns to top management.
• ·  Participating in defining the bank’s risk appetite
• ·  Supervising and coaching a team of Wholesale credit officers.

Essential Qualifications:

• · Master degree in accountancy and/or finance, business or economics, engineer, an expert in law …

Experience:

• · Minimum 10 years of relevant experience in financial analysis and credit assessment in Banking or Rating agencies or equivalent.
  

Knowledge, Skills and Abilities:

• · Fluency in French, English, and Arabic
• · Excellent verbal and written communication skills
• ·  Excellent interpersonal and communication skills
• · Problem solving and strategic thinking
• ·  Ability to work under pressure and to meet tight deadlines
• ·  Strong analytical skills and attention to details
• ·  Capacity to analyze, synthesize and present an opinion in an articulate manner
• ·  Ability to work under pressure and to meet tight deadlines
• ·  Capacity to coach and motivate team
• · Professionalism
• ·  Independency.