Account Manager Business Banking

Mashreqbank PSC; United Arab Emirates; On-site; AED 120,000 - 160,000; Full time

Job summary

A leading banking institution in the United Arab Emirates is seeking a professional to manage Small Enterprise relationships. The role involves enhancing client portfolios through superior customer service and effective relationship management. Candidates should have a strong banking sales background, excellent negotiation skills, and at least 3 years of relevant experience. An MBA/CA is preferred. Join our team and contribute to achieving financial and non-financial targets.

Qualifications

• Proven relationship management qualities in banking.
• At least 3 years of relevant banking experience.
• Advanced understanding of subjects like Credit and Trade.

Responsibilities

• Manage a set of existing Small Enterprise relationships.
• Improve share of wallet and enhance relationship revenue.
• Conduct annual credit facility reviews.

Skills

Banking Sales & service experience

Excellent communication skills

Negotiation skills

Positive attitude

Strong work ethic

Team player

Education

MBA/CA or relevant experience

Job description

Overview

Manage a set of existing Small Enterprise (SE) relationships and originating new SE relationships in business communities. To achieve assigned financial and non financial objectives by meeting all borrowing & non borrowing needs of customers with target segments (Viz. borrowers, transactors, depositors). Actively source new-to-bank customers and generate new business from walk-in customers. Manage all customers focusing on relationship management & up-selling/ deep-selling/ cross selling other bank products. Responsible for quality & soundness of assigned SE portfolio (KYC reviews, monitoring for due diligence, anti money laundering procedures etc).

Responsibilities

• Improve share of wallet & target to be primary bank for each of the relationships in the assigned portfolio. Enhance relationship revenue from existing portfolio of borrowing & non-borrowing accounts by cross-selling complete range of banking products.
• Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer service.
• Conduct annual/periodic credit facility reviews in the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the banks credit policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades/upgrades.
• Follow-up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of various credit related issues.
• Implement and maintain complete control aspects i.e. documentation, periodical client visits / call reports, stock inspections and formal credit checks / informal market feedback to monitor the assigned portfolio effectively.
• Maintain acceptable portfolio quality.
• Screen the market for NTB opportunities.
• Liaise between internal and external advisors to ensure precision of agreements.
• Liaise with superiors and direct reports within the business units, Risk Management and related enabler units within the bank to achieve business objectives.
• Achieve assigned financial and non financial targets.
• Adhere to all the compliance & regulatory policies with regards to KYC/ AML etc as set out by the bank from time to time.
• Update branch manager and regional SE manager on regular / weekly for better controls on sales and relationship management.

Qualifications

• Banking Sales & service experience with proven relationship management qualities.
• Requires advanced vocational knowhow of the subject matter (viz. Credit, Trade, Operating system, etc).
• Excellent communication and negotiation skills.
• At least 3 years + relevant banking experience in local or international market.
• MBA/CA or if a regular graduate needs to possess adequate relevant experience.
• Positive attitude, strong work ethic and a good team player.