Relationship Manager - RB-Business Liabilities & Cash Management (Outsource Role)

ADIB Group; Abu Dhabi; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading banking institution in Abu Dhabi is seeking a Relationship Manager responsible for nurturing business relationships and ensuring customer satisfaction. Responsibilities include credit analysis, preparation of credit applications, and maintaining high service standards. Ideal candidates will have experience in business relationship management and a strong focus on customer service.

Qualifications

• Experience in developing and maintaining business relationships with clients.
• Understanding of credit applications and financial analysis.
• Ability to ensure high levels of client satisfaction.

Responsibilities

• Develop and maintain relationships with business clients to fulfill banking requirements.
• Prepare thorough credit applications and ensure documentation completeness.
• Maintain high standards of customer service and satisfaction.

Skills

Business relationship management

Credit analysis

Customer service

Sales skills

Job description

Relationship Manager

Location: Abu Dhabi

Role Purpose

This role is primarily responsible for developing and maintaining business relationships with SBF clients to fulfill their banking requirements. Enhance customer relationships through regular planned meetings to maintain proper business relationship identify further opportunities for x-sell and improve service.

Responsibilities

Credit

• Acquire volumes principally from within the banks existing portfolio (x-sell) and through other contacts / efforts and Develops a database of qualified leads through referrals telephone canvassing face to face cold calling with business owners direct mail email and networking on selective basis as to achieve your business targets.
• Call Report preparation to be high standards i.e. informative presentable conclusive professional and comprehensive.
• Prepare credit applications analysis financial statements/bank statements and make it ready for the approval. Ensure that CAs for clients are correctly prepared in accordance with the bank polices and regulatory framework.
• Analyze of working capital requirements for clients monitors financial health of the clients business and industry.
• Ensure that all documentations for credit proposals are complete with sufficient covered collaterals.
• Initiates and ensures disbursements and adjustments of facilities.
• Ensure that the approved credit lines are valid and available for the clients.
• Liaise with various internal departments (credit-risk legal operations Trade finance) for smooth and quick turnaround of transactions.
• Strictly adhere to Banks financing policy Manual and report any exceptions.
• Proper credit monitoring through different methods mainly regular customers sites visits i.e. office showrooms warehouses... and providing call reports for the same.
• Recover of banks dues in time through the daily reports and follow ups.
• Must provide practical and suitable options to help Consumers make informed decisions that are in Consumers best interest including assessment of appropriateness affordability and suitability.
• Ensure ethical sales practices are followed without fail which must be conducted with due skill care and diligence integrity and in a fair honest and professional manner towards consumers. Must not indulge in misleading or aggressive sales practices and exploitation of customers due to their vulnerabilities apathy or lack of knowledge.
• Must take necessary steps to ensure that Customers are made aware of and understand the proposed terms and conditions prior to the final stage of the sales process or the time of signing of the Facility Offer Letter.

Customer Service

• Maintain contact with all clients in the market area to ensure high levels of Client Satisfaction.
• Maintain high standard service with customers and ensure no complains.
• Responding on customers calls and starts with appropriate greetings.
• Develops enhances and maintains relationships with prospective clients to ensure revenue / profit targets are met/ exceeded.
• Ensure that service quality norms and client satisfaction scores are met for their set of clients.

Internal / External Cooperation

• Demonstrate ability to interac…