Specialist- Commercial Banking - Emiratized Role

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

Job summary

A leading bank in the UAE is looking for a Business Banking professional to enhance customer onboarding and ensure compliance with banking standards. The role demands a solid background in customer relationship management, upselling products, and managing risks. Candidates should have at least 5 years of experience in business banking and a bachelor's degree in finance or a related field. Full-time, on-site position located in Abu Dhabi Emirate, offering dynamic growth opportunities.

Qualifications

• Minimum 5 years relevant experience in Corporate or Business Banking.
• At least 3 years holding similar responsibilities.
• Proven experience in customer onboarding and compliance.

Responsibilities

• Ensure client onboarding for new to Bank clients.
• Upsell and cross-sell products to existing clients.
• Perform credit risk management and monitoring.
• Gather information for Credit Applications and Assessment.

Skills

Customer Relationship Management

Risk Assessment

Sales Skills

Communication Skills

Education

Bachelors Degree in Business Administration or Finance

Job description

Generic Accountability

• KYC & onboarding governance framework ensure a thorough understanding of on-boarding governance framework to onboard as CB & banks processes/guidelines.
• Ops Risk Management: adhere to SOPs to ensure the processing of customer transactions.
• Compliance Risk Management: Ensure complete understanding & adherence to compliance risk management.
• AML & Transaction monitoring: act immediately on AML alerts to mitigate risks. Further liaise with internal stakeholders to initiate immediate actions.
• Channel migration: educate customers on the key benefits of migrating to channels and further assist to onboard customers on channels.
• Product Knowledge: deep understanding of business banking products to increase cross-sell and hence revenue per client.
• Customer Excellence: Deliver best in class services for Business Banking customers at the Business Banking desks. Ensure that customers are satisfied and are provided the best services
• Complaint Management: Resolve customer issues and queries in a way that reflects and expresses excellent customer service. Ensures timely follow-up and escalation of client issues.
• Assist in the preparation of timely and accurate statements and reports to meet department requirements policies and quality standards. Being Team Player & Coordination with RM/Sr RM.

Job Specific Accountabilities / KPIs

Customer Onboarding

• Ensure client onboarding of New to Bank clients for Liabilities Business Accounts and Deposits mobilization.
• Upselling /Cross selling to existing client base by marketing ofall products of the bankincluding Trade unfunded products (100% cash backed proposition).
• Enable i-Banking Online platform channel Migration & Activation for all existing & NTB client base for superior client experience and enhanced revenues.
• Generate Referrals by referring clients to other coverage sales channels & Liability RMs PB for Revenue generation products viz. TWC PL Assets Fx Investments Banca Liabilities WPS & Retail products.
• Maintain customer documents and files in accordance with banks policies and procedures. Ensures accuracy of all bank forms and documents executed by the customer.
• Implement a structured calling program to give effect to the relationship plan pertaining to existing customers.
• Perform ongoing credit risk management and daily monitoring of credit portfolio. Resolve and minimize pending deferrals and limit expiry across borrowing portfolio.
• Timely response to internal and external emails and communications. Responsible for preparing and assisting in business banking customerrequirements.
• Gather requisite information and documents for preparation of Credit Applications Credit Assessment & Approval.
• Pro-actively work to maximize customer satisfaction and requirements of clients. Analyze process issues to streamline the overall customer experience.

Internal Processes

• Adhere to the prescribed Sales & Compliance processes as per Banks policies. Implement governance & controls to proactively identify manage and minimize/mitigate potential losses to the franchise.
• Ensure strict adherence to Risk Control Assessment RCA process across all areas of Business Banking Department - Selling Client Onboarding Recruitment Training Performance Management Human Resources Fraud Control Operations and Client Application & KYC Documentation etc.
• Ensure customer onboarding and various other services to Business Banking customers are managed within current policies and procedures. Any deviations to be backed by requisite approvals.
• Manage service delivery expectations of customers to sustain positive NPS score and minimize NPS detractors in the managed portfolio.
• Receive inbound customer calls redirected to RMs by Branches / Call Center / Client Services and attend till resolution of complaint / query response.
• Monitor transactions in customer accounts are in line with KYC. Ensures timely processing of all customers-initiated transactions to enable increased share of wallet.
• Obtain customer information and reply to AML alerts raised on assigned accounts within timelines co-ordinate for issuance of Liability letter / No Liability letter and subsequent settlement of loan.

#LI-MM2

Qualifications :

Minimum Qualification

Bachelors Degree in Business Administration Finance Banking or a related major field of study is preferred.

Minimum Experience

5 years relevant experience in the Corporate Commercial or Business Banking with at least 3 years in similar positions of progressively increasing responsibilities in the support function.

Remote Work :

No

Employment Type :

Full-time