Relationship Manager

Bahrain Credit; Bahrain; On-site; BHD 12,000 - 18,000; Full time

Job summary

Bahrain Credit is seeking a Relationship Manager to drive new business in the commercial and SME sectors while retaining existing clients. You will develop strategies to expand relationships, cross-sell products, and meet revenue targets.

Responsibilities include portfolio reviews, client engagement, due diligence, and ensuring regulatory compliance. Strong communication, analytical skills, and ethical conduct are essential for success in this role.

Qualifications

• Strong verbal and written communication skills across internal and external stakeholders.
• Proactive collaboration to achieve team and organizational objectives.
• Adaptability, resilience under pressure and ethical decision making.
• Analytical and critical thinking for complex, high-pressure situations.

Responsibilities

• Identify and acquire new clients in commercial and SME sectors.
• Expand customer relationships and cross-sell CSME products.
• Conduct annual reviews of the CSME portfolio per guidelines.
• Manage customer relationships and deliver tailored solutions.
• Perform due diligence and prepare comprehensive credit applications.
• Ensure compliance with CBB regulations and internal policies.

Skills

Relationship management

Credit analysis

Business development

Portfolio management

Cross-selling

Client advisory

Due diligence

Education

BSc in Business or Finance

Job description

The Relationship Manager is responsible to generate new business by identifying and acquiring potential customers as well as retaining existing clients within the commercial and SME sectors as part of the departmental objectives and the relationship management strategy contributing to the achievement of revenue and targets Additionally development of strategies to expand customer relationships improve client satisfaction and drive business growth Drive profitable revenue and volume growth by focusing on new customer acquisition deepening existing customer relationships and cross-selling products to increase the company s customer share Perform an annual review of the CSME portfolio in accordance with department review guidelines Manage and service customer relationships within the CSME engaging with customers to uncover needs and offer suitable products services and solutions from the full range of CSME offerings Meet visit and regularly call clients to discuss and identify their requirements in line with the department s calling program Gather and analyze necessary documentation prepare a comprehensive credit application report and proactively follow up to manage the process until disbursement Conduct due diligence in accordance with the company s corporate governance and regulatory requirements Deliver high-quality customer service and maintain a customer-centric approach by addressing client needs and providing excellent service at all times Ensure proper handover procedures during planned leaves ensuring a seamless transition and continuity of service for clients Take ownership and responsibility for tasks or projects assigned by the Line Manager ensuring objectives are met Manage the defaulted accounts implementing appropriate measures to prevent further escalations Ensure consistent compliance with CBB rules and regulations as well as company policies and the code of conduct to maintain organizational integrity The Employee must adhere to all company s Employee Code of Conduct guidelines Perform any other tasks assigned by the manager to support team operations and business objectives

Education A minimum of BSc. in Business, Finance, or any related field. Experience A minimum of Three years of experience in the same field. With a higher education degree, less number of years of experience may be considered. Simultaneously, lower education degree with extensive experience may be considered.

Certificates and Licenses - Competencies :

Core CompetenciesStrong verbal and written communication skills to clearly convey complex information to both internal and external stakeholders.Works proactively with colleagues, sharing knowledge, resources, and support to achieve team and organizational objectives.Adapt to change, embrace challenges, stay resilient under pressure, and maintain a positive attitude to achieve goals.Strong analytical and critical thinking abilities to resolve issues efficiently and effectively in complex, high-pressure situations.Able to uphold ethical standards, make transparent decisions, follow legal requirements, and treat others with fairness and respect.Technical/Role-Specific CompetenciesStrong business development and portfolio management expertise to drive profitable revenue growth through new client acquisition, relationship deepening, and cross-selling of CSME products.Advanced credit analysis and review capability to conduct new and annual portfolio reviews, perform due diligence, assess financial performance, and prepare comprehensive credit applications through to disbursement.Relationship management and advisory skills to proactively engage clients, identify business needs, and deliver tailored CSME products and solutions that enhance customer value and retention.Project coordination and execution proficiency to manage assigned initiatives, meet departmental targets, and collaborate effectively with internal and external stakeholders within set timelines.Risk management and compliance expertise to monitor defaulted accounts, implement preventive measures to avoid escalation, and ensure full adherence to CBB regulations and Commercial & SME policies.