Director- Coverage - Commercial Banking

VERA Security, Inc.; Dubai; On-site; AED 200,000 - 300,000; Full time

Job summary

A prominent financial institution in Dubai seeks a Portfolio Manager to manage and grow a portfolio of profitable borrowing and non-borrowing customers. Candidates must have a bachelor's degree and at least 8 years of experience in Banking, with a minimum of 3 years in managing clients. This full-time role does not support remote work.

Qualifications

• 8 years relevant experience in Corporate Commercial or Business Banking.
• At least 3 years managing a borrowing customer base.

Responsibilities

• Manage and grow customer portfolio, ensuring quality of service.
• Identify and deliver business across all products.
• Lead and coordinate with internal partners for effective product delivery.

Skills

Client relationship management

Credit analysis

Commercial decision-making

Prospecting and sales

Compliance and service quality

Education

Bachelor's Degree in Business Administration, Finance, or Banking

Job description

JOB PURPOSE

To manage and grow a portfolio of profitable borrowing and non-borrowing customer base including Trade & Working capital customers in defined geographical markets in pursuit of specific sales service growth and opportunity targets.

KEY ACCOUNTABILITIES

• Responsible for Identifying originating & delivering business across all products in the identified target segment.
• Maintains active prospecting effort and pipeline for achieve core financial objectives.
• Responsible for delivery against assigned financial revenue and balance sheet targets.
• Fulfil customers requirements and manage the overall relationship ensuring quality of service.
• Responsible for ultimate commercial decision on client to optimize wallet share and returns.
• Responsible for maximizing Share of Wallet (SOW) at client level across the managed portfolio.
• Responsible for maintaining the pipeline making sure the information is complete and accurate updated and all identified opportunities are included.
• Sponsor Credit proposals for Borrowing customers.
• Responsible for Credit analysis onboarding and monitoring support for acquisition and management of borrowing customer portfolio with need-based assistance from assigned Assistant Relationship Managers.
• Responsible for Monitor compliance with approved terms.
• Responsible for service recovery tasks and resolution of escalated customer transactions for breach of TAT and exceptions allowed under Operational Delegation.
• Follow all relevant departmental policies processes standard operating procedures and instructions so that work is carried out in a controlled and consistent manner.
• Demonstrate compliance to organizations values and ethics at all times to support the establishment of a value drive culture within the bank.
• Contribute to the identification of opportunities for continuous improvement and sustainability of systems processes and practices considering global standards productivity improvement and cost reduction.

Job Context

• Serve as the key banking advisor for borrowing and non-borrowing customers in identified target segment.
• Accountable for prospecting new business and to expand existing relationships.
• Engages in dialogue with CEO and CFO levels of clients to assess holistic banking needs and provide customized banking insights and solutions.
• Responsible for leading directing and coordinating with internal partners in analysis and execution for the effective delivery of benefiting products and services to clients and prospects.
• Ability to identify loan deposit and core banking products and services that benefit the client.
• May provide work leadership by assigning work and resolving problems.

Health & Safety

Adherence to policies processes and procedures of the Bank pertaining to Health & Safety.

FRAMEWORKS BOUNDARIES & DECISION-MAKING AUTHORITY

• Propose and recommend decisions as per the approved authorization matrix.
• Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks.

QUALIFICATIONS & EXPERIENCE

Minimum Qualification

• Bachelors Degree in Business Administration Finance Banking or a related major field of study is preferred

Minimum Experience

• 8 years relevant experience in the Corporate Commercial or Business Banking with at least 3 years in similar positions of managing borrowing customer base in the identified target segment.

Remote Work

No

Employment Type

Full-time