Relationship Manager

First Abu Dhabi Bank; Abu Dhabi; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading financial institution in Abu Dhabi seeks a Relationship Manager to build and maintain rapport with clients, acquire new high-value clients, and enhance existing relationships. The ideal candidate will have a proven track record in sales management, excellent interpersonal skills, and a university degree. This role involves understanding client requirements, maximizing profitability through effective limit utilization, and ensuring compliance with bank policies.

Qualifications

• Proven track record in driving high-performance teams and achieving customer goals.
• Experience in sales management and teamwork.
• Strong business assessment skills, especially for complex and international structures.
• Excellent communication skills, both written and verbal.

Responsibilities

• Acquire NTB high-value clients to increase the bank's liability book.
• Engage with clients to understand and improve their services.
• Cross-sell and upsell bank products to maximize revenue.
• Negotiate with internal clients for pricing on products.
• Monitor and manage compliance and operational risks.

Skills

Sales management

Interpersonal skills

Negotiation skills

Analytical skills

Leadership skills

Problem-solving skills

Education

University degree

Postgraduate qualification in Business Management or Business Administration

Job description

Company Description

First Abu Dhabi Bank is an inclusive environment where each person values the experiences, perspectives, ideas, and beliefs of others. We’re in a unique position to learn from all our colleagues, combining international experience with deep cultural knowledge and local expertise. At FAB, you’ll have the support of your team and a strong relationship with your line manager, who will trust you with responsibility and recognize your good performance. As we embrace different ways of seeing the world, listening to each other, and respecting different viewpoints, we grow stronger – together.

Job Description

Key Accountabilities:

Generic Accountability:

Relationship management:

• Acquire NTB high-value clients and enhance existing high-value relationships to increase the bank's liability book and revenue.
• Engage with clients to understand and improve their banking services.
• Understand clients’ requirements to increase the bank’s wallet share.
• Cross-sell and upsell bank products and services to maximize revenue.
• Increase sales volumes and market share in target markets.
• Respond promptly to customer requests and process business applications efficiently.
• Negotiate with internal clients and structure pricing for GM and Cash products based on customer needs.
• Establish a customer-focused approach to gain a competitive edge.
• Increase share of high-end market and quality business within the assigned segment.
• Build and maintain rapport with customers by providing expertise in financial needs and deploying bank products and services accordingly.
• Provide customers with accurate and timely information on products and benefits.
• Keep customers and prospects updated on new products and services.
• Source new business from prospects and follow up on sales leads within designated segments.
• Plan visits to clients to introduce GTB and GM partners.
• Identify and forward sales leads for cross-selling opportunities.
• Coordinate with product managers and specialists to promote bank products.
• Update KYC information regularly.
• Work closely with internal departments to manage compliance, operational, and credit risks.
• Prepare credit applications, analyze financial statements, and ensure readiness for approvals.
• Ensure credit applications for new and renewing clients comply with bank policies and regulations.
• Recognize early warning signs of account issues and pursue collection of past-due loans.
• Work efficiently to process work and manage risks.
• Assess financial and business risks associated with lending, considering industry position, management quality, and financial health.
• Analyze creditworthiness and recommend credit limits.
• Manage portfolio risk proactively by ensuring timely account renewals.
• Comply with bank policies, procedures, and standards in structuring and pricing limits.
• Adhere to internal policies and regulatory requirements.
• Facilitate internal audits and risk management responses to audit reports.
• Monitor for money laundering activities and coordinate remedial actions.

Profitability & Expense Control:

• Maximize profitability through effective limit utilization.
• Monitor MIS reports for FX and trade revenues.
• Seek to increase revenue margins from customers.
• Maintain high standards of customer service.
• Ensure operational processes meet service standards.
• Coordinate with customer service and processing units to ensure satisfactory service.
• Strictly adhere to bank policies to prevent fraud and operational risks.

#LI-MM2

Qualifications

• Proven track record in driving high-performance teams and achieving customer and financial goals.
• Experience in sales management and teamwork.
• Excellent interpersonal, negotiation, and influencing skills.
• Ability to plan and organize effectively, with persistence to achieve results.
• Strong business assessment skills, especially for complex and international structures.
• Leadership skills, including performance management and team development.
• Strong analytical skills.
• Motivational leadership qualities.
• University degree qualification.
• Enthusiasm for management and behavioral change, with high standards.
• Innovative problem-solving skills.
• Knowledge of general and business banking, including competitive landscape and propositions.
• Excellent communication skills, both written and verbal, with presentation abilities.
• Strong knowledge of SME propositions.
• Proven ability to identify and meet customer needs through a broad product range.
• Ability to interact effectively with stakeholders at all levels.
• Postgraduate qualification in Business Management or Business Administration.

Job Location