1. Manage the relationship with customers in Rehabilitation phase in order to ensure their agreeableness and maximize recovery, if not recommend their transfer to Collections

2. Implement restructuring strategy & negotiate with customer to reach settlement &/or exit agreement and transfer to collections.

3. Manage customers who CIB decided to exit lending relationship in a disciplined manner to maximize recovery

4. Prepare restructuring or phase out credit memos & renewal memos for accounts under rehabilitation.

5. Recommend transferring customers to collections or current performing portfolio as per set policies for rehabilitation accounts and based on solid justification as per the appropriate approval matrix.

6. Collaborate with collections and Early Warning teams to minimize portfolio losses.

Follow up 7. Monitor the facility utilization to ensure that it is within approved limit and structure and ensure prompt settlement of dues for account under rehabilitation.

8. Business & market updates related to customer under rehabilitation and any change within the Industry in terms of market conditions or regulatory environment that may affect the customer business.

Communication

9. Prepare the monthly tracking report with all cases under rehabilitation to be communicated to all stakeholders, including but not limited to clarifying updates of expected recoveries and losses in order for remaining stakeholders to re-arrange plans accordingly. Internal Commercial International Bank

Policies, Processes and Procedures

10. Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner

Day-to-day management

11. Follow the day-to-day operations related to own job to ensure continuity of work

Compliance

12. Comply with all relevant CBE regulations, banking laws, AML regulations and internal CIB policies and code of conduct in order to maintain CIB’s sound legal position and mitigate any potential risks

Qualifications & Experience

Bachelor’s degree of commerce, Business Administration, accounting or equivalent.

Minimum 1-3 years of relevant experience

Credit knowledge & Certification Skills

Process driven Change management skills

Strong negotiation and influencing skills

Ability to analyse and interpret large volumes of data and take decisions

Strong presence and ability to work with people across functions at all levels