Senior Relationship Manager – Islamic Commercial Banking (Asset & Liability)

United Arab Bank; Sharjah; On-site; AED 150,000 - 200,000; Full time

Job summary

A prominent banking institution is looking for a Commercial Banking Manager to grow and manage a portfolio of clients in Sharjah. The ideal candidate will have 7-10 years of experience in commercial banking, particularly within Islamic finance. Responsibilities include originating financing deals, ensuring compliance, and maintaining high-quality client relationships. This role demands strong financial analysis capabilities and a proven track record in client acquisition and portfolio growth, ensuring sustainable profitability.

Qualifications

• 7–10 years of commercial banking experience, ideally within Islamic banking.
• Proven track record in managing profitable banking portfolios.
• Strong understanding of AML/KYC compliance standards.

Responsibilities

• Grow and manage a profitable portfolio of commercial banking clients.
• Originate quality Islamic financing deals.
• Expand and retain a profitable commercial client portfolio.
• Conduct financial due diligence and credit assessments.

Skills

Islamic financing

Client relationship management

Financial analysis

Business acquisition

Compliance knowledge

Education

Bachelor’s degree in finance, business, or commerce

MBA

Job description

Job Purpose

Grow and manage a profitable portfolio of commercial banking clients by originating, structuring, and deepening both asset and liability relationships. Deliver Shariah-compliant solutions while maintaining strong credit quality and full regulatory compliance.

Principal Accountabilities

• Product development, Business Acquisition & Portfolio Growth. Achieve annual asset and liability growth targets with strong profitability.
• Originate quality Islamic financing deals aligned with the bank’s strategy.
• Expand and retain a profitable commercial client portfolio.
• Ensure zero compliance breaches and maintain high-quality account reviews.
• Increase cross-sell penetration across trade, treasury, and transaction banking.
• Maintain asset quality with minimal overdue or NPA levels.
• Deliver high customer satisfaction and build long‑term relationships.
• Source new commercial banking customers to grow both financing assets and liability products.
• Provide end‑to‑end client onboarding, needs assessment, and customized Islamic financial solutions.
• Ensure revenue growth through cross‑selling trade finance, treasury products, cash management, and merchant solutions.
• Conduct financial due diligence, credit assessments, and transaction analysis.
• Acquire and retain deposit clients to grow CASA, Wakala, and term investment accounts.
• Provide clients with profit rate insights, liquidity solutions, and treasury‑linked offerings.
• Conduct periodic client reviews, monitor account activity, and maintain strong relationship mapping.
• Identify early warning signals and initiate timely remedial actions.
• Prepare credit proposals with accurate financial analysis and sector insights.
• Adhere to AML/KYC, enhanced due diligence, and account monitoring standards.

Experience & Qualifications

• Bachelor’s degree in finance, business, or commerce; MBA preferred.
• 7–10 years of commercial banking experience, ideally within Islamic banking.
• Proven track record in both asset and liability growth.