Assistant Relationship Manager - Real Estate Finance

Sharjah Islamic Bank; Sharjah; On-site; AED 90,000 - 150,000; Full time

Job summary

Sharjah Islamic Bank is seeking a capable professional to support the Unit Head in managing customer relationships across stages, ensuring timely renewals and accurate documentation, and independently handling assigned relationships under guidance.

You will monitor accounts, prepare credit proposals, and ensure adherence to Sharia guidelines while collaborating with Credit Administration and Risk teams to maintain service standards.

Qualifications

• Minimum bachelor degree in finance, accounting or related field.
• Experience in banking risk analysis and credit evaluation.
• Strong analytical skills and financial statement analysis.
• Familiar with Sharia-compliant banking principles.
• Proficiency with MS Office and banking software (T24).

Responsibilities

• Support Unit Head in managing customer relationships across stages.
• Ensure timely renewal of limits and document perfection.
• Prepare thorough credit proposals in line with policies.
• Monitor accounts to prevent downgrades and delinquency.
• Ensure compliance with consumer protection standards and Sharia guidelines.
• Coordinate with Credit Administration and Risk teams on account requirements.

Skills

Statistical analysis

Credit risk analysis

Financial analysis

Education

Bachelor degree

Tools

MS Office

T24 Software

Job description

Job Description

JOB PURPOSE :

The role consists in supporting the Unit Head in the management of the different stages of customer relationships. Collaborates in managing existing relationship, ensure timely renewal of limits, perfection of documents and independently handle assigned relationship in consultation and guidance of unit head.

KEY ACCOUNTABILITIES

Descriptions:

• Ensure maintaining high standards of ethics and integrity with customers and colleagues
• Ensure effective follow-up and monitoring of account to avoid down grading and delinquency
• Ensure thorough and clear write up of credit proposals in accordance with the bank's policies
• Ensure full compliance with Sharia principles and guidelines
• Ensure analyzing and reviewing financial statements and financial position of the client and prepare credit lines by raising credit proposals
• Ensure handling of account requirements for Credit Administration and Risk Management. This includes Central Bank Risk Bureau, other Bank queries, and all documentary requirements for Credit processing
• Ensure compliance with consumer protection standards including treating customers fairly, providing accurate information about products or services, responding promptly and courteously to inquiries, complaints, and feedback, protecting customer data, identifying and reporting any suspicious or fraudulent activities, continuously improving customer service and keeping abreast of regulatory expectations and SIB Conduct Risk Framework and associated procedures
• The employee should demonstrate a thorough understanding of Consumer Protection Regulations and adhere to the bank's standards for fair treatment of customers, ethical conduct, prompt resolution of customer complaints, provide accurate and comprehensive information to customers, and compliance with applicable laws and regulations. The employee should continuously strive to improve their knowledge of Consumer Protection Regulations and seek opportunities to provide input on bank policies and practices.

Consumer Protection:

• Ensure compliance with consumer protection standards including treating customers fairly, providing accurate information about products or services, responding promptly and courteously to inquiries, complaints, and feedback, protecting customer data, identifying and reporting any suspicious or fraudulent activities, continuously improving customer service and keeping abreast of regulatory expectations and SIB Conduct Risk Framework and associated procedures
• The employee should demonstrate a thorough understanding of Consumer Protection Regulations and adhere to the bank's standards for fair treatment of customers, ethical conduct, prompt resolution of customer complaints, provide accurate and comprehensive information to customers, and compliance with applicable laws and regulations. The employee should continuously strive to improve their knowledge of Consumer Protection Regulations and seek opportunities to provide input on bank policies and practices.

QUALIFICATION, EXPERIENCE & OTHER SKILLS

Minimum Qualifications : Bachelor Degree

Other Qualifications : Accounting / Financial Management qualifications

Minimum Experience : At least 1-2 years banking experience in Small & Medium Enterprises Various training on Credit Corporate Risk Analysis Statistical analysis competency

Computers/ Systems / Software Skills : MS Office - T24 Software - Basic