Customer Service Officer-Business Banking SME

National Bank of Ras Al-Khaimah PJSC; United Arab Emirates; On-site; AED 70,000 - 90,000; Full time

Job summary

A leading bank in the UAE is seeking a candidate to provide critical credit and operational support to Relationship Managers. The role involves preparing credit proposals, performing financial analysis, and ensuring regulatory compliance for SME clients. Candidates should have a Bachelor's degree and 1-2 years of experience in banking or financial services, with strong skills in credit analysis and documentation management.

Qualifications

• Minimum of 1-2 years’ experience in banking or financial services, focusing on credit analysis and business support.
• Strong understanding of Banking &/Or Financial Services industry.

Responsibilities

• Prepare credit proposals and perform financial analysis.
• Monitor compliance and facility utilization.
• Assist in client onboarding and KYC reviews.
• Generate reports and ensure adherence to regulations.

Skills

Credit analysis

Financial analysis

Client onboarding

Documentation management

Education

Bachelor's Degree in finance, Accounting, Economics, or related field

Job description

AtRAKBANK, we believe in fostering a culture of innovation, growth, and excellence. We are not just a bank – we are a community that thrives on teamwork, cutting-edge solutions, and the highest standards of governance

About the role

In this role, you will be responsible to provide critical Credit and Operational support to Relationship Managers by preparing comprehensive credit proposals, performing in-depth financial analysis, ensuring adherence to regulatory and internal compliance standards, and upholding exceptional service quality for our SME client base.

Reporting to the AVP & Manager – SME Coverage, you will also play a pivotal role in streamlining client onboarding, managing documentation, and overseeing portfolio monitoring activities. Your efforts will directly contribute to business growth and effective risk management.

What You’ll Be Doing:

• Prepare comprehensive credit proposals, credit limit applications (new/renewals), and financial analysis
• Monitor covenant compliance, early warning signals, and facility utilization
• Serve as the primary contact for clients on operational and documentation matters
• Coordinate with internal teams (Trade, Operations, Credit) to resolve queries and process transactions
• Assist in client onboarding, KYC reviews, and maintenance of CRM records
• Ensure accurate data entry in banking systems and timely fulfilment of documentation (security agreements, facility terms)
• Generate MIS reports, credit monitoring tools, and audit support materials
• Uphold regulatory, statutory, and internal policy requirements
• Work closely with Relationship Managers to address client needs and escalate issues proactively

What we are looking for:

Education: Bachelor's Degreein finance, Accounting, Economics, or related field

Experience: Minimum of 1-2 years’ experience in banking or financial services, with a focus on credit analysis and business support

Industry Exposure: Strong understanding of Banking &/Or Financial Services industry