Relationship Manager- Real Estate Unit

Mashreq; United Arab Emirates; On-site; AED 240,000 - 420,000; Full time

Job summary

Mashreq in Dubai seeks a Relationship Manager to grow our real estate client base, structure financing requirements, and assess credit risk. You will coordinate with clients and product teams, optimize credit limit utilization, and ensure compliance with bank policies and UAE regulations.

You will manage existing clients, develop relationship strategies, and maintain a robust pipeline of new business while aligning with risk management standards.

Qualifications

• In-depth understanding of the real estate market and financing product suite.
• Experience managing real estate clients, preferably in Dubai.
• Knowledge of risks associated with real estate lending across development stages.

Responsibilities

• Review portfolio and recommend credit facilities per policy to maximize earnings while controlling risk.
• Formulate relationship strategy and account plans to achieve KPI targets.
• Develop strong client relationships at decision-making level to position the bank as preferred lender.
• Conduct hands-on account management to ensure timely delivery of services/products and customer satisfaction.
• Maintain an active pipeline focusing on new-to-bank transactions within regulatory guidelines.

Skills

RE market knowledge

Real estate financing products

Dubai RE client management

Credit risk understanding

Lending policy compliance

Escrow laws knowledge

Job description

Job Purpose

The Relationship Manager will play a crucial role in maintaining and expanding our real estate client base in Dubai. With an in-depth knowledge of the market and financing products, you will structure financing requirements and assess credit risks. Your primary focus will be on deal origination, coordinating with clients and product teams, and optimizing credit limit utilization. Additionally, you will be responsible for credit risk assessment, preparing credit proposals, and ensuring compliance with bank policies and regulations.

Key Result Areas

• Review existing portfolio in a timely manner, recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risk to an acceptable level, and achieve a satisfactory rating on portfolio quality and credit management processes.
• Formulate ‘Relationship Strategy’ & ‘Account Plan’ for each client and ensure establishment of appropriate penetration/cross-sell strategies to attain objectives per KPI.
• Develop strong working relations with all existing clients at the decision‑making level, to position MB as their preferred bank.
• Hands‑on account management to ensure effective and timely delivery of the banks’ services/products to clients through proactive interaction across the bank, to attain desired level of customer satisfaction.
• Maintain an active pipeline; focusing on ‘new to bank’ transactions / business. The incumbent functions within identified market segments and geographical boundaries, and is required to adhere to the policies and guidelines set out in the Central Bank regulations/ MB’s internal credit, operational and risk management policies and manuals and operate within UAE legal system/Overseas legal (if applicable).
• Externally, the incumbent is required to liaise with the business and banking community and coordinate with Legal Counsels on work related to legal issues.
• Internally, the job holder has working relationships with the Treasury, Operations, Support Divisions, Retail Banking, and the Risk Management Division, to achieve / maximize business opportunities, contain risks, and ensure that the financial /non‑financial objectives are met.

Knowledge, Skills & Experience:

• Candidate must have an in-depth understanding of the real estate (RE) market and financing product suite.
• Experience in managing RE clients, primarily in Dubai is a must.
• The individual must understand the risks associated with RE lending especially during various stages of RE Development.
• Ability to independently structure financing requirements whilst keeping in mind organizational lending policies is important.
• Knowledge of related legal infrastructure including the Escrow laws is a plus