Associate - Wealth Management (Ethraa Graduate program)

Emirates Investment Bank pjsc; Dubai; On-site; AED 180,000 - 320,000; Full time

Job summary

Emirates Investment Bank pjsc is offering an exceptional graduate entry into private banking, placed directly into client-focused activities with HNW clients across the UAE.

You will gain end-to-end exposure to wealth management, including business development, investment management, operations, and UAE regulatory compliance, accelerating your path to leadership in UAE private banking.

Qualifications

• Fresh graduate with a Bachelor's or Master's degree from a recognized university.
• Preferred disciplines: Finance, Economics, Business Administration, or Accounting.
• Strong academic track record; CISI/CFA/CFP qualifications viewed favorably.

Responsibilities

• Support senior relationship managers in identifying and acquiring HNW and UHNW clients across the UAE.
• Assist in preparing pitch books, financial proposals, and tailored presentations for prospective clients.
• Participate in client meetings and contribute to strategies aimed at growing AUM and liabilities under the advisory model.
• Act as a supporting officer for a portfolio of UAE-based clients, ensuring high service levels.
• Build long-term relationships with clients, understanding financial goals, family structures, and risk tolerance.
• Coordinate with internal product specialists to deliver holistic banking and Sharia-compliant solutions where applicable.
• Assist in construction and monitoring of discretionary and advisory investment portfolios.
• Conduct market research and performance attribution analysis, stay updated on regional and global trends.
• Prepare investment committee materials and client reporting.
• Ensure adherence to UAE Central Bank regulations, AML/CFT guidelines, and KYC processes.
• Assist in onboarding documentation and ongoing monitoring of client accounts for compliance.

Skills

Business Development

Relationship Management

Financial Analysis

MS Office

Fluent English

Arabic (advantage)

Education

Bachelor's degree

Master's degree

Tools

MS Office

Bloomberg

Job description

This is a distinctive, high-potential opportunity for an exceptional graduate to join our onshore UAE banking operations at the Associate level. Unlike traditional graduate programmes, this role places you directly into the heart of the wealth management business, working with High Net Worth (HNW) clients across the Emirates

You will gain end-to-end exposure to the full lifecycle of private banking, from business development and investment management to operational processes and UAE regulatory compliance. This cross-functional role is designed to fast-track the next generation of UAE-based private banking leaders.

Key Accountabilities:

Business Development & Client Acquisition

• Support senior relationship managers in identifying and acquiring HNW and Ultra High Net Worth (UHNW) clients across the UAE.
• Assist in preparing pitch books, financial proposals, and tailored presentations for prospective clients, with a focus on both onshore and international investment needs.
• Participate in client meetings and contribute to strategies aimed at growing Assets under Management (AUM) and liabilities under the advisory model.

Relationship Management

• Act as a supporting officer for a portfolio of UAE-based clients, ensuring a superior level of service and responsiveness.
• Build strong, long‑term relationships with clients to understand their financial goals, family structures, and risk tolerance, taking into account the unique cultural and generational dynamics of the region.
• Coordinate with internal product specialists (credit, treasury, investment) to deliver holistic banking and Sharia‑compliant solutions where applicable.

Investment Management Support

• Assist in the construction and monitoring of discretionary and advisory investment portfolios, with exposure to GCC equities, fixed income, real estate, and international markets.
• Conduct market research and performance attribution analysis, keeping abreast of regional economic trends and global financial developments.
• Support the team in preparing investment committee materials and client reporting.
• Ensure strict adherence to Central Bank of the UAE (CBUAE) regulations, including AML/CFT (Anti‑Money Laundering / Combating the Financing of Terrorism) guidelines.
• Prepare and review client onboarding documentation, ensuring all KYC records are complete, accurate, and compliant with UAE data protection and banking secrecy laws.
• Assist in the ongoing monitoring of client accounts for suspicious activity and regulatory reporting requirements.
• Operational & Credit Support (Lombard Lending)
• Gain exposure to Lombard lending and other credit facilities offered to UAE private banking clients, understanding how leverage is structured against investment portfolios.
• Assist in monitoring collateral, margin requirements, and portfolio valuations to ensure compliance with credit risk policies.
• Collaborate with operations teams on trade settlements, corporate actions, and account maintenance to ensure a seamless client experience.

Qualification:

• Fresh graduate with a Bachelor's or Master's degree from a recognized university.
• Preferred disciplines: Finance, Economics, Business Administration, or Accounting.
• Strong academic track record; candidates with professional aspirations toward CISI, CFA, or CFP qualifications will be viewed favorably.

Experience:

• Basic understanding of the UAE regulatory landscape (CBUAE, AML, KYC) and a strong commitment to compliance.
• Natural interest in business development, revenue generation, and building client relationships.
• Ability to interpret financial data, construct investment proposals, and present insights clearly.
• Fluency in English is essential; proficiency in Arabic is a distinct advantage for client‑facing interactions.
• Highest standards of professional ethics and client confidentiality, aligned with UAE banking culture.
• Proficiency in MS Office (Excel, PowerPoint); familiarity with Bloomberg or financial modelling tools is a plus.