Assistant Relationship Manager.RBG - TWC Partially Secured.Retail Banking Group

Mashreq Bank PSC; United Arab Emirates; On-site; AED 100,000 - 150,000; Full time

Job summary

A leading banking institution in the UAE seeks an Assistant Relationship Manager to prepare credit proposals and assist with relationship management. The ideal candidate has strong credit knowledge, exemplary communication skills, and experience in banking, with an MBA or CA preferred. Responsibilities include maintaining client relationships, analyzing financial statements, and managing credit quality. This full-time role offers an opportunity to contribute to a dynamic team and improve banking processes.

Qualifications

• Complete knowledge of the Bank's credit policy and operating systems.
• Strong credit and marketing skills mandatory.
• Minimum experience of 2-5 years in a relevant field.

Responsibilities

• Prepare detailed credit proposals and assist in maintaining account relationships.
• Coordinate information required for processing credit proposals.
• Active portfolio management and analytics.

Skills

Credit analysis

Communication skills

Analytical skills

Legal knowledge

Banking products awareness

Team player

Education

MBA/CA

Job description

Assistant Relationship Manager.RBG - TWC Partially Secured.Retail Banking Group

United Arab Emirates (Fulltime office (FTO))

Trending

Job Description

To prepare detailed credit proposals and assist the Relationship Team in maintaining the account relationship, resolving related issues, if any.

Key result Areas

• Undertake spreading and in depth meaningful analysis of financial statements.
• Discuss customers requirements, line structure and related terms and conditions with Relationship Manager / Account Manager.
• Coordinate with Relationship Manager to ensure that all necessary information required for processing a credit proposal are obtained from the customer.
• Preparation of all credit proposals with due focus on risk analysis and mitigants, in terms of financial business, operational management and environmental factors and duly supported by the financial highlights addressing key factors, in accordance with the Bank Policy. Credit presentations to be prepared in precise and balanced manner and reflect high quality and standard.
• Acquire thorough knowledge about the bank’s credit policies, products and services.
• Establish cordial relationship with Credit Manager and provide clarifications on any queries raised.
• Attending to customers calls as may be required.
• Timely completion of NTB CPs as and when assigned
• Timely completion of renewals (T-30 days)
• Initiating renewal information request 60 days prior to expiry date and ensuring information is obtained before 30 days or escalated to next level.
• MRS to be updated immediately on receipt of audited financials or triggering of any DRI event
• CP quality – Manager & CRM Feedback
• Ensure all client queries and transactions referred are handled promptly and efficiently.
• Active portfolio management and analytics
• CP expiry report (No expiry beyond 30 days, no expired CPs without extension / justifications)
• Monitoring of Overdue / Excesses, Account irregularity reports
• MER expiry (No Primary & Secondary beyond 30 days)
• Covenants (No o/s covenants beyond 60 days)
• CBRB / Cheque returns (Review & Action taken)
• Management of Early Alert Process
• Any exceptions to be timely escalated/highlighted to all relevant stakeholders.
• Timely completion of quarterly RCSA report through coverage of 100% of identified risks.
• No adverse audit comments for the area of operation
• Transaction monitoring (Review as per process of DTR and other monitoring mechanism)
• Ensure all EDD/compliance queries are actioned promptly and in line with bank’s policy
• Register, Track and resolve complaints
• Timely completion of special tasks/projects assigned by the unit from time-to-time basis
• Migrating all customers to online channels (active users)
• Feedback from line manager / Customer/CRM
• Recommend process improvement

Knowledge, skills and experience

• Complete knowledge and clear understanding of the Bank’s credit policy and operating systems.
• Strong credit and legal knowledge and marketing skills mandatory.
• Thorough awareness of various financial product / services.
• Excellent communication and analytical skills with ability to perform as a team player.
• MBA/CA is preferred with minimum experience of 2-5 years.

Job Info

• Job Identification 3761
• Job Category MashreqBank
• Posting Date 11/05/2025, 07:54 AM
• Apply Before 12/31/2025, 07:54 AM
• Job Schedule Full time
• Locations United Arab Emirates (Fulltime office (FTO))