Senior Relationship Manager

ADIB Group; Sharjah; On-site; AED 250,000 - 450,000; Full time

Job summary

ADIB Group in Sharjah is seeking a Senior Relationship Manager to develop and maintain relationships with SME clients and fulfill their banking requirements.

You will lead cross-sell opportunities, assess credit needs, prepare proposals, and ensure compliant documentation while coordinating with internal teams.

The role emphasizes high standards in service, client satisfaction, and achieving revenue targets through effective relationship management.

Qualifications

• Minimum five years experience in Relationship Management in a banking environment.
• Strong credit appraisal and financial analysis capabilities.
• Knowledge of UAE banking practices, regulations and AML rules.

Responsibilities

• Acquire volumes from the banks existing portfolio and through referrals and proactive outreach to achieve targets.
• Prepare credit proposals and high-standard call reports with clear, conclusive information.
• Analyze working capital requirements and monitor financial health of client business and industry.
• Ensure complete documentation and adequate collaterals for credit proposals and disbursements.
• Develop and maintain relationships with SME clients to ensure revenue targets are met and exceeded.

Skills

Credit analysis

Relationship management

Communication skills

Customer service

Cross selling

Financial analysis

AML knowledge

Banking regulations

Team collaboration

Computer skills

Tools

Computer skills

Job description

Description

Role : Senior Relationship Manager
Location : Sharjah
Role Purpose:
This role is primarily responsible for developing and maintaining business relationships with SME clients to fullfill their banking requirements. Enhance customer relationships through regular planned meetings to maintain proper business relationship identify further opportunities for x-sell and improve service.

KEY METRICS:

• Revenue:
• Expenses:
• Net Income:
• Assets:
• Headcount:
• Number of branches:
• Number of ATMs:
• Number of Direct Reports:
  

Key Accountabilities of the role
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 and make it ready for the approval. Ensure that CAs for new clients and also renewals for existing 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 loans.
• Ensure that the approved credit lines are valid and available for the clients.
• Verifies/ inspects hypothecated /pledged inventory mortgage fixed to ensure minimum credit risk.
• 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.

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.
• To do regular visits to the customers

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 with others solve problems creatively and demonstrate high integrity.
• Maintain professional internal and external relationships that meet department core values.
• Proactively establish and maintain effective working team relationships with all support departments

Specialist Skills / Technical Knowledge Required for this role:

• Good knowledge of ADIBs Business Banking products & services
• Experience of credit analyses and balance sheet spreading.
• Good knowledge of ADIBsOperational Policies & Procedures
• Proficient in credit appraisal techniques including credit risk business & 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 Sales
• Computer skills
• Excellent Communication Skills.

Previous experience:

• Minimum five (05) years experience as a Relationship Managementexperience in a banking environment.

Required Experience:

Senior IC