Relationship Manager - Business Banking

First Abu Dhabi Bank; Abu Dhabi; Sur place; AED 312 000 - 469 000; Plein temps

Résumé du poste

First Abu Dhabi Bank is seeking a Relationship Manager - Business Banking in Abu Dhabi to grow a corporate and commercial financing portfolio. You will balance sales, credit quality, and customer service while coordinating with credit, product and risk teams to structure tailored financing solutions.

Ideal candidates have 5+ years in business banking or corporate lending, deep financial analysis skills, and strong relationship-building abilities.

Qualifications

• Bachelor's degree in Finance, Banking, Accounting, Business, Economics, or a related discipline.
• 5+ years experience in business banking, SME banking or corporate lending.
• Proven ability to meet sales targets with a hunter mindset.
• Strong financial statement analysis and credit paper preparation.
• Knowledge of trade finance, real estate and working capital products.
• Understanding of SME banking regulations and market practices.

Responsabilités

• Grow and manage a portfolio of corporate and commercial clients.
• Increase revenue, improve credit quality and optimize limit utilization.
• Prepare credit applications and analyze financial statements.
• Source new borrowing relationships through networks and market leads.
• Coordinate with internal teams to deliver banking solutions.
• Ensure compliance with bank policies and regulatory requirements.
• Monitor portfolio performance and take proactive risk actions.
• Maintain strong client relationships and cross-sell banking products.

Connaissances

Business banking

SME banking

Relationship management

Corporate financing

Commercial financing

Credit applications

Financial analysis

Credit due diligence

Risk assessment

Portfolio management

Sales & acquisition

Limit utilization

Trade finance

Real estate finance

Working capital

Foreign exchange

Cross-selling

Credit structuring

Credit renewal

Early warning

MIS reporting

Profitability analysis

Customer service

Credit administration

AML monitoring

Audit support

Market analysis

Negotiation

Formation

Bachelor's degree in Finance, Banking, Accounting, Business, Economics, or related discipline

Description du poste

Relationship Manager - Business Banking Job Snapshot

Role: Relationship Manager - Business Banking

Location: Abu Dhabi, United Arab Emirates

Industry: Banking

Function: Account Management-Non-Commissioned

Experience: Minimum 5 years

Job Type: Full-time

Position Overview

Relationship Manager - Business Banking in Abu Dhabi, United Arab Emirates is a Banking opportunity focused on growing corporate and commercial financing relationships, increasing portfolio profitability, preparing credit applications, and delivering customer-focused financial solutions. This role is suited for a commercially driven banking professional with strong sales discipline, credit analysis capability, SME banking knowledge, and the ability to build trusted relationships with borrowing clients, suppliers, buyers, and business prospects.

Job Details

Country: United Arab Emirates

City: Abu Dhabi

Industry: Banking

Function: Account Management-Non-Commissioned

Salary: 28000-42000 Estimated salary range based on similar jobs in the job city; please confirm the final offer with the employer.

Gender: Any

Candidate Nationality: Any

Job Type: Full-time

Role Context

The Relationship Manager - Business Banking will manage and develop a portfolio of corporate and commercial financing customers while supporting revenue growth, credit quality, limit utilization, and customer retention. The role requires a balanced focus on relationship depth, new business acquisition, credit application quality, risk monitoring, cross-selling, and service turnaround. The selected candidate will work closely with credit, credit administration, customer service, trade finance, global transaction banking, foreign exchange, and other internal teams to structure banking solutions that match customer needs and bank policies.

Key Responsibilities

• Increase the depth and breadth of relationships with existing business banking customers through active portfolio management and regular client engagement.
• Grow sales volumes, market share, and quality business within the assigned corporate and commercial banking segment.
• Improve utilization of approved limits by identifying customer funding needs and supporting effective use of banking facilities.
• Source new borrowing relationships by leveraging existing customer networks, suppliers, buyers, referrals, and market leads.
• Develop and manage the assigned portfolio for corporate and commercial financing with a focus on profitable and sustainable growth.
• Provide customers with accurate and timely information on banking products, financing solutions, trade finance, real estate finance, and working capital options.
• Actively follow up on sales leads and business prospects within designated market segments.
• Plan visits to existing and prospective clients in coordination with global transaction banking, foreign exchange, and product teams.
• Identify cross-sell opportunities and forward suitable leads to relevant departments across the bank.
• Prepare credit applications, analyze financial statements, conduct due diligence, and submit complete credit packages for approval.
• Ensure credit applications for new clients and renewals for existing clients are prepared in line with bank policies, procedures, and regulatory requirements.
• Assess business and financial risks by reviewing company performance, competitive position, industry conditions, management quality, and financial profile.
• Identify early warning signals in account conduct and coordinate timely action for overdue loans or deteriorating relationships.
• Proactively manage assigned portfolio risk by ensuring timely account renewals within approved service standards and documentation requirements.
• Align facility structure, pricing, and proposed limits with customer needs while maintaining compliance with business banking guidelines.
• Monitor MIS reports related to foreign exchange, trade working capital revenues, facility utilization, and portfolio profitability.
• Seek opportunities to increase revenue margins while maintaining responsible customer relationship practices.
• Coordinate with customer service groups and processing units to ensure service standards and turnaround times are met.
• Discuss credit packages with credit teams and approving authorities when clarification or additional structuring input is required.
• Maintain close working relationships with Credit Division and Credit Administration to support smooth approval, documentation, and facility activation.
• Review credit analysis and add strong qualitative comments to improve the quality of credit submissions.
• Comply with internal policies, procedures, business banking standards, and regulations issued by relevant authorities.
• Support internal audit and risk management reviews by addressing gaps and responding to audit observations within agreed deadlines.
• Monitor potential money laundering activity and coordinate required remedial action with management and compliance teams.

Ideal Profile

• Bachelor's degree in Finance, Banking, Accounting, Business, Economics, or a related discipline.
• Strong experience in business banking, SME banking, commercial banking, relationship management, or corporate lending.
• Proven ability to meet or exceed sales targets with a clear sales hunting mindset.
• Good understanding of financial statement analysis, lending due diligence, risk assessment, and credit application preparation.
• Strong knowledge of trade finance, real estate finance, working capital products, and business banking facilities.
• Understanding of SME banking regulations, market practices, competitor products, and customer segment dynamics.
• Ability to evaluate business risks, draw practical conclusions, and recommend suitable financial solutions.
• Good understanding of legal structures used by different types of businesses.
• Strong commercial judgment with awareness of wider economic trends and their impact on customer borrowing needs.
• Proven ability to build and maintain long-term customer relationships across corporate and commercial segments.
• Strong communication and influencing skills with the ability to interact confidently across different levels and stakeholder groups.
• Ability to work with credit, operations, product, risk, customer service, and compliance teams to deliver effective customer outcomes.
• Strong attention to detail in reviewing financial information, credit papers, documentation requirements, and portfolio performance.

Skills Set

• Business banking
• SME banking
• Relationship management
• Corporate financing
• Commercial financing
• Credit application preparation
• Financial statement analysis
• Lending due diligence
• Risk assessment
• Portfolio management
• Customer acquisition
• Sales lead follow-up
• Limit utilization
• Trade finance
• Real estate finance
• Working capital finance
• Foreign exchange referrals
• Global transaction banking coordination
• Cross-selling
• Credit structuring
• Credit renewal
• Early warning signal monitoring
• Past due loan follow-up
• MIS reporting
• Profitability monitoring
• Revenue margin improvement
• Customer service coordination
• Credit administration coordination
• Compliance awareness
• AML monitoring
• Audit response support
• Market analysis
• Commercial negotiation

Why Join Us

This role offers a strong platform for a business banking professional to manage meaningful client relationships, grow a quality financing portfolio, and contribute directly to revenue, market share, and risk-controlled expansion. The position provides exposure to corporate and commercial clients, credit decisioning, trade and working capital products, and cross-functional banking teams. It is a valuable opportunity for someone who wants to combine sales achievement, credit discipline, and relationship leadership within Abu Dhabi's competitive Banking sector.

About the Company

First Abu Dhabi Bank (FAB) is a leading UAE financial institution offering retail, corporate, investment, private banking, and global financial services. The bank supports businesses and individuals with financing, transaction banking, risk management, treasury, markets, and advisory solutions designed to help customers grow, manage liquidity, and achieve long-term financial stability.