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

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

Job summary

A leading bank in the UAE is seeking a Relationship Manager to develop and maintain banking relationships with clients. The role includes responsibilities in credit analysis, customer service, and cross-selling banking products to enhance service quality and client satisfaction.

Qualifications

• Good knowledge of ADIB's Business Banking products & services.
• Experience in credit analysis.
• Fair knowledge of UAE banking practices, regulations & risks.

Responsibilities

• Develop and maintain business relationships with SBF clients.
• Acquire volumes from cross-sell and develop a database of leads.
• Prepare credit applications and analyze working capital requirements.

Skills

Credit analysis

Customer relationship management

Credit appraisal techniques

Cross-selling techniques

UAE banking practices

Anti-Money Laundering regulations

Job description

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

Role :

Relationship Manager

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 cross-sell, and improve service.

Key Accountabilities of the role

These are the main responsibilities of this role.

Responsibilities : Credit

• Acquire volumes principally from within the bank's existing portfolio (cross-sell) and through other contacts/efforts. Develop a database of qualified leads through referrals, telephone canvassing, face-to-face cold calling with business owners, direct mail, email, and networking on a selective basis to achieve your business targets.
• Prepare call reports that are high standard, informative, presentable, conclusive, professional, and comprehensive.
• Prepare credit applications by analyzing financial statements and bank statements, making them ready for approval. Ensure that credit applications (CAs) for clients are correctly prepared in accordance with bank policies and regulatory frameworks.
• Analyze working capital requirements for clients, monitor financial health of the client's business and industry.
• Ensure all documentation for credit proposals is complete with sufficient collateral coverage.
• Initiate and ensure disbursements and adjustments of facilities.
• Ensure that approved credit lines are valid and available for clients.
• Liaise with internal departments (credit-risk, legal, operations, trade finance) for smooth and quick transaction turnaround.
• Strictly adhere to the bank's financing policy manual and report any exceptions.
• Conduct proper credit monitoring through methods such as regular site visits to customers' offices, showrooms, warehouses, and provide call reports for the same.
• Recover bank dues in a timely manner through daily reports and follow-ups.
• Provide practical and suitable options to help consumers make informed decisions, including assessment of appropriateness, affordability, and suitability.
• Follow ethical sales practices diligently, conducting sales with skill, care, integrity, and professionalism. Avoid misleading or aggressive sales practices and exploitation of vulnerable customers.
• Ensure customers are made aware of and understand the terms and conditions prior to signing the Facility Offer Letter.

Customer Service

• Maintain contact with all clients in the market area to ensure high levels of customer satisfaction.
• Maintain high service standards and ensure no complaints.
• Respond promptly to customer calls with appropriate greetings.
• Develop, enhance, and maintain relationships with prospective clients to meet or exceed revenue and profit targets.
• Ensure service quality norms and client satisfaction scores are achieved for assigned clients.

Internal / External Cooperation

• Demonstrate ability to interact and cooperate with all bank employees.
• Build trust, value others, communicate effectively, drive execution, foster innovation, focus on the customer, collaborate, solve problems creatively, and demonstrate high integrity.
• Maintain professional relationships that align with department core values.
• Proactively establish and maintain effective teamwork with support departments.
• Complete mandatory training within the bank's timelines and pursue additional training to enhance skills as identified through discussions with line managers.

Specialist Skills / Technical Knowledge Required for this role :

• Good knowledge of ADIB's Business Banking products & services
• Experience in credit analysis
• Good knowledge of ADIB's operational policies & procedures
• Proficient in credit appraisal techniques including credit, risk, business, and financial analysis
• Knowledge of Business Relationship Management
• Fair knowledge of UAE banking practices, regulations & risks
• Good knowledge of Anti-Money Laundering regulations issued by the UAE Central Bank and other regulatory authorities
• General awareness of competitors in the local market
• Excellent knowledge of service standards
• Knowledge of cross-selling techniques

Job ID 300001721467357

Relationship Manager • Abu Dhabi, United Arab Emirates