Corporate Banking - Relationship Manager/Sr Relationship Manager , Real Estate

High Street Resources; Dubai; On-site; AED 240,000 - 360,000; Full time

Job summary

High Street Resources represents a leading UAE financial institution seeking a seasoned Relationship Manager to join its Real Estate Unit. You will manage complex multi-product relationships, originate transactions, and coordinate with product teams to fulfil mandates.

Key duties include credit risk assessment, structuring facilities, and maintaining strong client relationships with senior stakeholders to drive revenue while managing risk in a dynamic market.

Qualifications

• In-depth understanding of the real estate (RE) market and financing product suite.
• Experience in managing RE clients.
• Ability to independently structure financing while adhering to lending policies.
• Knowledge of related legal infrastructure including the Escrow laws is a plus.

Responsibilities

• Maintain complex multi-product Group relationships and originate transactions across the Bank's product suite.
• Coordinate between clients and product teams in mandate execution.
• Optimize utilization of approved Credit limits and address Operations/Documentation requirements.
• Conduct credit risk assessment, risk rating and facility structuring for assigned relationships.
• Develop and implement Relationship Strategy and Account Plans for clients.
• Engage with internal teams to ensure timely delivery of services/products and risk controls.

Skills

Real estate knowledge

RE client management

Credit risk assessment

Financing structuring

Escrow laws awareness

Job description

Our client isone of the UAE's leading financial institutions providing banking and financial services, is seeking a seasoned Relationship Manager/ Senior Relationship Manager to join its esteemed Real Estate Unit Team.

Job Purpose:

• Maintain complex multi-product Group relationships and solicit acceptable new relationships by originating transactions across Bank's product suite, to achieve pre-set financial & non-financial objectives.
• Play an active & integral role in deal origination efforts and coordinating between clients and product team(s) in the mandate execution.
• Optimize utilization of approved Credit limits, by facilitating transactions & addressing Operations &/or Documentation requirements.
• Responsible for credit risk assessment, risk rating and structuring of facilities for assigned corporate relationships working with Credit Relationship Managers (CRMs), meeting the customers, preparing Credit Proposals (CPs) and liaising with Wholesale Risk Management (WRM) and the Compliance Unit to resolve all queries related to risk and compliance issues, respectively.
• In-depth knowledge of the Bank's policies and operating systems.
• Understanding of economic trends vis-à-vis understanding of regional / global financial markets.
• Strong credit and marketing skills along-with intuitive / judgment skills to evaluate risks beyond the obvious.

Key Result Areas:

• Review existing portfolio in a timely manner, recommend appropriate credit facilities in line with the bank's credit policy to maximize earnings while containing risk to an acceptable level, and achieve a satisfactory rating on portfolio quality and credit management processes.
• Formulate ‘Relationship Strategy’ & ‘Account Plan’ for each client and ensure establishment of appropriate penetration/cross-sell strategies to attain objectives per KPI.
• Develop strong working relations with all existing clients at the decision-making level, to position the bank as their preferred bank.
• Hands-on account management to ensure effective and timely delivery of the banks’ services/products to clients through proactive interaction across the bank, to attain desired level of customer satisfaction.
• Maintain an active pipeline; focusing on ‘new to bank’ transactions / business. The incumbent functions within identified market segments and geographical boundaries and is required to adhere to the policies and guidelines set out in the Central Bank regulations/ Bank's internal credit, operational and risk management policies and manuals and operate within UAE legal system/Overseas legal (if applicable).
• Externally, the incumbent is required to liaise with the business and banking community and coordinate with Legal Counsels on work related to legal issues.
• Internally, the job holder has working relationships with the Treasury, Operations, Support Divisions, Retail Banking, and the Risk Management Division, to achieve / maximize business opportunities, contain risks, and ensure that the financial /non-financial objectives are met.

Knowledge, Skills and Experience:

• Candidate must have an in-depth understanding of the real estate (RE) market and financing product suite.
• Experience in managing RE clients is a must.
• The individual must understand the risks associated with RE lending especially during various stages of Asset Acquisition and Development.
• Ability to independently structure financing requirements whilst keeping in mind organizational lending policies is important.
• Knowledge of related legal infrastructure including the Escrow laws is a plus.