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

ADIB Group; Abu Dhabi; On-site; AED 180,000 - 240,000; Full time

Job summary

A leading bank in Abu Dhabi is seeking a Relationship Manager to enhance client relationships and fulfill banking requirements. This role involves credit analysis, customer service, and collaboration with various departments to improve service quality and increase business opportunities.

Qualifications

• Experience in credit analysis required.
• Good knowledge of ADIB's Business Banking products & services.
• Managerial experience in a similar role preferred.

Responsibilities

• Develop and maintain business relationships with SBF clients.
• Conduct credit monitoring through regular site visits.
• Collaborate effectively with internal departments for transaction processing.

Skills

Credit analysis

Customer service

Communication

Client relationship management

Cross-selling knowledge

Computer literacy

Job description

Description
Role: 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. The goal is to enhance customer relationships through regular planned meetings, identify further opportunities for cross-sell, and improve service quality.

Key Accountabilities of the role

These are the main responsibilities of this role.

RESPONSIBILITIES:

Credit

• Acquire volumes mainly from within the bank's existing portfolio (cross-sell) and through other contacts and efforts. Develop a database of qualified leads via referrals, telephone canvassing, face-to-face cold calling with business owners, direct mail, email, and networking to achieve business targets.
• Prepare high-standard call reports that are informative, presentable, conclusive, professional, and comprehensive.
• Prepare credit applications, analyze financial statements/bank statements, and ensure they are ready for approval. Ensure that credit applications are correctly prepared in accordance with bank policies and regulatory frameworks.
• Analyze clients' working capital requirements, monitor their financial health, and assess industry conditions.
• Ensure all documentation for credit proposals is complete and includes sufficient collateral coverage.
• Initiate and ensure disbursements and adjustments of facilities.
• Ensure that approved credit lines are valid and accessible to clients.
• Liaise with internal departments (credit, risk, legal, operations, trade finance) for smooth transaction processing.
• Adhere strictly to the bank's financing policies and report any exceptions.
• Conduct proper credit monitoring through regular site visits (offices, showrooms, warehouses) and prepare call reports.
• Recover bank dues timely through daily reports and follow-ups.
• Offer practical and suitable options to help consumers make informed decisions, considering their best interests, including assessments of appropriateness, affordability, and suitability.
• Follow ethical sales practices diligently, conducting sales with skill, care, diligence, integrity, and fairness. Avoid misleading or aggressive practices and exploitation of vulnerable customers.
• Ensure customers understand the terms and conditions before signing facility offer letters.

Customer Service

• Maintain contact with clients to ensure high satisfaction levels.
• Provide high-standard service and resolve complaints promptly.
• Respond to customer calls professionally.
• Develop and maintain relationships with prospective clients to meet/exceed revenue and profit targets.
• Ensure service quality standards and client satisfaction scores are achieved.

Internal / External Cooperation

• Collaborate effectively with all bank employees and support departments.
• Build trust, communicate effectively, drive execution, foster innovation, focus on customer needs, and demonstrate high integrity.
• Maintain professional relationships aligned with department values.
• Proactively establish and maintain effective team relationships.
• Complete mandatory training within specified timelines and pursue relevant skill development.

Specialist Skills / Technical Knowledge Required:

• Good knowledge of ADIB's Business Banking products & services.
• Experience in credit analysis.
• Understanding of ADIB's operational policies & procedures.
• Proficiency in credit appraisal techniques, including risk, business, and financial analysis.
• Knowledge of Business Relationship Management.
• Fair knowledge of UAE banking practices, regulations, and risks.
• Awareness of Anti-Money Laundering regulations issued by UAE authorities.
• Understanding of the competitive landscape in the local market.
• Excellent service standards and cross-selling knowledge.
• Computer literacy.
• Excellent communication skills.

Required Experience: Manager