Relationship Manager Business Banking

Mashreq; Dubai; On-site; AED 120,000 - 160,000; Full time

Job summary

A leading financial institution in Dubai seeks a relationship manager to enhance revenue from existing portfolios and provide superior customer service. Candidates must have a minimum of 4 years in banking and possess excellent negotiation skills. This role includes conducting credit reviews and maintaining portfolio quality. Ideal for those with an MBA/CA or equivalent experience and a positive attitude towards team collaboration.

Qualifications

• Requires advanced vocational know-how of the subject matter including Credit, Trade, and Operating systems.
• At least 4 years of relevant banking experience in local or international markets.
• Strong work ethic and good team player.

Responsibilities

• Improve share of wallet & target to be the primary bank for assigned portfolio.
• Conduct periodic credit facility reviews and recommend appropriate credit facilities.
• Maintain acceptable portfolio quality and monitor assigned relationships.

Skills

Banking Sales & service experience

Relationship management

Excellent communication

Negotiation skills

Positive attitude

Education

MBA/CA or relevant experience

Job description

Key result Areas

• Improve share of wallet & target to be primary bank for each of the relationships in the assigned portfolio. Enhance relationship revenue from existing portfolio of borrowing & non-borrowing accounts by cross-selling complete range of banking products.
• Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer service.
• Conduct annual/periodic credit facility reviews in the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the banks credit policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades/ upgrades.
• Follow-up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of various credit related issues.
• Implement and maintain complete control aspects i.e. documentation, periodical client visits / call reports, stock inspections and formal credit checks / informal market feedback to monitor the assigned portfolio effectively.
• Maintain acceptable portfolio quality.
• Screen the market for NTB opportunities.
• Liaise between internal and external advisors to ensure precision of agreements.
• Develop on the job learning curve of SSO to enable them to grow professionally and prepare them for higher levels of responsibility.
• Liaise with superiors and direct reports within the business units, Risk Management and related enabler units within the bank to achieve business objectives.
• Achieve assigned financial and non financial targets.
• Adhere to all the compliance & regulatory policies with regards to KYC/ AML etc as set out by the bank from time to time.
• Update branch manager and regional SE manager on regular / weekly for better controls on sales and relationship management.
• Regularly upgrade existing SE customers to ME segment by offering need based solution as per client's profile & requirements.

Knowledge, Skills and Experience

• Banking Sales & service experience with proven relationship management qualities.
• Requires advanced vocational knowhow of the subject matter (viz. Credit, Trade, Operating system, Legal, etc)
• Excellent communication and negotiation skills.
• At least 4 years + relevant banking experience in local or international market
• MBA/CA or if a regular graduate needs to possess adequate relevant experience.
• Positive attitude, strong work ethic and a good team player.