Credit Relationship Manager.CIBG – Dubai – TC – Retail,Textiles & Others.41.Corporate & Investment Banking Group – Mashreq

Mashreq is hiring a Credit Relationship Manager within its Corporate and Investment Banking Group in Dubai, supporting a portfolio of corporate clients in the retail, textiles and related trading sectors. Mashreq is one of the UAE’s oldest privately owned banks, with a long history in corporate, retail and digital banking and a presence across the region and in international financial centres.

The role sits on the credit side of corporate banking. As the posting describes it, you will assist in the financial analysis, credit risk assessment, risk rating and structuring of facilities for assigned corporate relationships, working closely with the Relationship Managers who own the client coverage. In practice, that means analysing audited financial statements and management accounts, assessing cash flow and working capital cycles, reviewing collateral and security, assigning internal risk ratings and preparing credit applications that will stand up to scrutiny from the bank’s risk committees.

Retail and textile trading businesses in Dubai often rely heavily on trade finance, working capital lines and import facilities, so understanding inventory cycles, receivables, supplier terms and the shifts in consumer demand is especially useful. You may also join client meetings and site visits alongside Relationship Managers, monitor covenants and early warning signals, and support annual reviews and renewals of existing facilities.

The role suits a credit professional who enjoys digging into financials, can write clearly and persuasively, and is comfortable balancing the commercial goal of growing the client book against the discipline of sound risk management.

In corporate banking, the quality of credit analysis directly shapes the bank's risk and returns. A credit relationship manager who assesses clients accurately helps the bank lend confidently to strong businesses, structure facilities that fit how the client actually trades, and avoid exposures that could turn into losses. Well-prepared credit applications also speed up approval, which matters commercially: clients in fast-moving trading sectors often need decisions quickly, and a bank that responds efficiently wins and keeps business. Ongoing monitoring is just as important as the initial approval. Spotting early warning signs, such as stretched receivables, rising inventory or covenant pressure, allows the bank to act early and protect its position. For Mashreq's retail and textile trading portfolio, where margins can be thin and demand can shift quickly, that vigilance helps limit impairments and provisions. Strong credit work also supports the Relationship Managers, freeing them to focus on client coverage and cross-selling while knowing the risk side is in capable hands.

Corporate credit is one of the most valuable foundations for a long banking career. You will learn to read businesses through their financial statements, understand how trading companies manage cash and working capital, and judge risk with the discipline that credit committees expect. Those skills apply across corporate banking, risk management, investment banking and even corporate finance roles outside banking. Working within Mashreq's Corporate and Investment Banking Group gives you exposure to real client relationships and to senior bankers and credit officers, which is an effective way to build both technical knowledge and commercial judgement. Many credit professionals progress to senior credit analyst, credit manager or relationship manager positions, or move into portfolio management, credit risk approval or restructuring roles. Specialising in sectors such as retail and textile trading builds expertise that is highly relevant in Dubai, one of the region's main trading hubs. You will also strengthen your report writing, presentation and stakeholder skills, as credit papers must be clear, concise and convincing. Mashreq's long history and its focus on modern, digitally led banking make it a respected name on any CV in the UAE banking sector, and the combination of analytical rigour and client exposure in this role prepares you well for more senior responsibilities over time.

• Bachelor’s degree in finance, accounting, economics or a related field; CFA, ACCA or a formal credit qualification is an advantage
• Experience in corporate credit analysis, credit risk or corporate banking, ideally within a UAE bank
• Strong financial statement analysis, cash flow and working capital assessment skills
• Understanding of trade finance, working capital and term lending products
• Experience preparing credit applications, risk ratings and facility structures
• Knowledge of covenants, collateral and security documentation
• Exposure to trading, retail or textile sector clients is an advantage
• Excellent written English and clear, concise report writing
• Strong attention to detail and sound judgement