Bank jobs in United Arab Emirates

Job Title: Relationship Manager – Small Business Finance

Job Location: Dubai

Experience: 5+ years

Duration: 2 years renewable

Client: Bank

Payroll: Sundus

Working days: 5 days

Education: Bachelor’s degree

Industry: Banking - Financial Services

• Minimum five (05) years' experience as a Relationship Management experience in a banking environment
• Minimum Qualification – Bachelor’s degree

• Good knowledge of CLIENT’s Business Banking products & services
• Experience of credit analyses.
• Good knowledge of CLIENT’s Operational Policies & Proceduresli>
• 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 client 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.

• Acquire volumes principally from within the bank’s existing portfolio (x-sell) and through other contacts / efforts and develop 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/bank statements and make them ready for approval. Ensure that CA’s for clients are correctly prepared in accordance with the bank policies and regulatory framework.
• Analyse working capital requirements for clients, monitor financial health of the client’s business and industry.
• Ensure that all documentations for credit proposals are complete with sufficient covered collaterals.
• Initiates and ensures disbursements and adjustments of facilities.
• Ensure that the approved credit lines are valid and available for the clients.
• Liaise with various internal departments (credit-risk, legal, operations, Trade finance…) for smooth and quick turnaround of transactions.
• Strictly adhere to Bank’s financing policy Manual and report any exceptions.
• Proper credit monitoring, through different methods mainly regular customer’s 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.
• Must provide practical and suitable options to help Consumers make informed decisions that are in Consumers’ best interest including assessment of appropriateness, affordability, and suitability.
• Ensure ethical sales practices are followed without fail which must be conducted with due skill, care and diligence, integrity and in a fair, honest and professional manner towards consumers. Must not indulge in misleading or aggressive sales practices and exploitation of customers due to their vulnerabilities, apathy or lack of knowledge.
• Must take necessary steps to ensure that Customers are made aware of and understand the proposed terms and conditions prior to the final stage of the sales process or the time of signing of the Facility Offer Letter.
• 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 complaints.
• 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 customer’s.
• 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.
• Must complete mandatory trainings within bank provided timelines and ensure that the staff enhance their skills by opting for/undergoing appropriate trainings as per their development requirements identified through discussions with their Line Managers.