Relationship Manager Emerging Corporates

Commercial Bank of Dubai; Abu Dhabi; On-site; AED 180,000 - 300,000; Full time

Job summary

Commercial Bank of Dubai (CBD) in Abu Dhabi is expanding its Emerging Business Banking team. The role focuses on managing an asset portfolio and acquiring new relationships to help meet financial targets.

You will analyze client information for credit proposals, conduct client visits, cross-sell retail products, and ensure governance and timely credit administration while building a strong local business network.

Qualifications

• Bachelor's degree in Economics, Finance, or Business Management.
• MBA, CFA, CA, ACCA or equivalent preferred.
• 5–7 years in business banking with 2–3 years in UAE.
• Experience managing Emerging Business Banking/SME portfolios.
• Strong ability to prepare relationship plans and credit proposals.
• Knowledge of retail business banking products and trade/treasury solutions.

Responsibilities

• Maintain and grow an assigned Emerging Business Banking client portfolio.
• Identify and acquire new Emerging Business Banking relationships.
• Analyze client information to prepare detailed credit proposals.
• Conduct regular client visits and complete call reports.
• Develop account plans and cross-sell retail banking products.
• Ensure service standards and client satisfaction.
• Monitor credit administration including reviews and covenant monitoring.
• Comply with policies, audit, regulatory standards.
• Keep abreast of market trends to identify opportunities.
• Build a network of local business contacts and strategic partners.

Skills

Relationship management

Credit proposals

Portfolio management

Cross-selling

Client development plans

Regulatory compliance

Networking

Education

Bachelor's degree in Economics/Finance/Business Management

MBA/CFA/CA/ACCA preferred

Job description

Job Description

Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.

CBD has been recognized as the number one bank in the UAE on the Forbes list of The World's Best Banks 2022.

As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers - and delivering service that really goes the extra mile.

Job Purpose

Manage existing Asset portfolio of Emerging Corporate customers in addition to acquiring new relationships to achieve overall assigned financial targets

Principal Accountabilities

• Maintain and manage an assigned portfolio of Emerging Business Banking clients to retain and grow banking relationships in a profitable manner and in line with assigned business growth targets.
• Identify, solicit, and acquire new Emerging Business Banking relationships in line with approved growth plans for assets, liabilities, trade, treasury income, and overall relationship profitability.
• Analyse client information and financial performance to support the preparation of detailed credit proposals and recommend appropriate credit facilities in line with the Bank's credit underwriting standards and risk-adjusted return expectations.
• Conduct regular client visits for relationship management, business generation, and portfolio monitoring purposes, ensuring call reports are completed accurately and in a timely manner.
• Develop account plans and cross-sell relevant retail business banking products and services to deepen multi-product relationships, increase share of wallet, and generate referrals to other business segments where appropriate.
• Establish effective internal and external communication to ensure required turnaround times, service standards, and client satisfaction levels are achieved.
• Ensure timely and accurate credit administration, including annual reviews, covenant monitoring, financial tracking, documentation follow-up, and portfolio review requirements within agreed review cycles.
• Comply with internal policies, credit guidelines, audit requirements, regulatory standards, and the banking legal framework to maintain consistent governance and control standards.
• Keep abreast of developments in the local business environment, market trends, and client needs to identify business opportunities and contribute to retail business banking planning and strategy.
• Build and maintain a strong network of local business community contacts, business associations, and strategic alliance partners to support business development and portfolio growth.

Requirements

Education and Experience

• Bachelor's degree in Economics, Finance, Business Management, or a related discipline.
• Professional qualifications such as MBA, CFA, CA, ACCA, or equivalent are preferred.
• Minimum 5-7 years of experience in business banking, including 2-3 years of exposure to retail business banking, SME banking, or commercial client relationship management in the UAE.
• Experience in managing Emerging Business Banking, SME, or business banking client portfolios, preferably with exposure to local market segments.
• Strong business acumen with the ability to prepare relationship plans, portfolio strategies, credit proposals, and client development plans.
• Good knowledge of retail business banking products, credit facilities, trade finance, cash management, treasury solutions, and relationship profitability drivers.

Requirements