Relationship Manager-Small Business Finance(Outsource)

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

Job summary

A prominent banking institution in Dubai is seeking a Manager for its Business Banking division. The ideal candidate will have a strong background in credit analysis, customer service, and relationship management, with a proven track record of achieving business targets. Responsibilities include client acquisition, financial statement analysis, and compliance with internal policies. This role requires excellent communication skills and a thorough understanding of UAE banking regulations.

Qualifications

• Minimum of 5 years' experience in Relationship Management within a banking environment.
• Good knowledge of ADIB's operational policies & procedures.
• Proficiency in credit appraisal techniques, including risk, business, and financial analysis.

Responsibilities

• Acquire volumes mainly from existing bank portfolio and develop a database of qualified leads.
• Prepare credit applications, analyze financial statements, and ensure compliance with policies.
• Conduct regular client visits to ensure high satisfaction levels and address complaints.

Skills

Credit analysis

Communication

Customer service

Risk analysis

Cross-selling

Education

Bachelor's degree or higher qualification

Tools

ADIB's Business Banking products & services

Computer literacy

Job description

Description

KEY METRICS:

• Revenue
• Expenses
• Net Income
• Assets
• Consumer satisfaction, loan/financing repayment performance, delinquency rates, consumer retention, substantiated complaints, compliance with regulatory requirements, and adherence to best practices, guidelines, and codes of conduct
• Number of valid customer complaints
• Percentage of delinquent customers
• Number of customer exits due to Financial Crime Compliance reasons

Key Accountabilities of the role

RESPONSIBILITIES:

Credit

• Acquire volumes mainly from the existing bank 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, VAT reports, cash flow, and ensure they are ready for approval. Ensure CAs for clients are correctly prepared in accordance with bank policies and regulatory frameworks.
• Analyze clients' facility requirements, monitor their financial health, and industry conditions.
• Ensure all documentation for credit proposals is complete, with sufficient collateral coverage.
• Initiate and ensure disbursement and adjustment of facilities.
• Ensure approved credit lines are valid and accessible to clients.
• Liaise with internal departments (credit, risk, legal, operations, trade finance) for smooth transaction processing.
• Strictly adhere to the bank's financing policy manual and report any exceptions.
• Conduct proper credit monitoring through regular site visits (offices, showrooms, warehouses) and provide call reports.
• Recover bank dues timely through daily reports and follow-ups.
• Provide practical options to help consumers make informed decisions, including assessments of appropriateness, affordability, and suitability.
• Follow ethical sales practices with skill, care, diligence, integrity, and professionalism. Avoid misleading or aggressive practices and exploitation of vulnerabilities.
• Ensure customers understand the proposed terms and conditions before signing the Facility Offer Letter.

Customer Service

• Maintain contact with clients to ensure high satisfaction levels.
• Provide high-standard service and address complaints promptly.
• Respond to customer calls courteously.
• Develop and maintain relationships with prospective clients to meet revenue and profit targets.
• Ensure service quality norms and client satisfaction scores are met.
• Conduct regular client visits.

Internal / External Cooperation

• Interact and cooperate effectively with all bank employees.
• Build trust, 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 values.
• Establish and maintain effective teamwork with support departments.
• Complete mandatory training within specified timelines and pursue skill enhancement through additional training as identified with managers.

Specialist Skills / Technical Knowledge Required for this role:

• Good knowledge of ADIB's Business Banking products & services
• Experience in credit analysis
• Knowledge 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
• Knowledge of Anti-Money Laundering regulations issued by UAE authorities
• Awareness of competitors in the local market
• Excellent service standards knowledge
• Knowledge of cross-selling
• Computer literacy
• Excellent communication skills

Previous experience:

• Minimum of 5 years' experience in Relationship Management within a banking environment
• Bachelor's degree or higher qualification

Required Experience:

Manager