Senior Relationship Manager - Corporate Banking

Kuwait Finance House Group; Manama; On-site; BHD 40,000 - 80,000; Full time

Job summary

Kuwait Finance House Group in Bahrain seeks a seasoned Corporate Banking professional to lead relationship management with key clients, originate new business and oversee credit analysis.

You will develop client plans, cross-sell banking products, monitor portfolio performance, and ensure compliance with regulatory and Sharia requirements.

Qualifications

• Bachelor's degree in finance, banking, economics, or related discipline.
• Professional credit, banking or financial-analysis qualifications are an advantage.
• Strong Bahraini/GCC corporate banking exposure is preferred.

Responsibilities

• Identify and originate new corporate banking relationships with focus on established corporates and major groups.
• Grow the Corporate Banking portfolio through account and relationship planning.
• Maintain active pipeline of prospects and convert opportunities into profitable relationships.
• Manage relationships and portfolio with regular senior-level client engagement.
• Conduct comprehensive credit analysis and financial assessment for facilities and proposals.
• Originate, cross-sell, and tailor solutions with product specialists to maximize profitability.
• Monitor portfolio performance, risk, and compliance with regulatory and Sharia requirements.

Skills

Corporate Banking

Relationship Management

Credit Analysis

Financial Analysis

Cross-selling

Portfolio Management

Education

Bachelor's degree in Finance/ Banking/ Economics

Job description

KEY RESPONSIBILITIES:

Business Development & Client Acquisition

• Identify, target and originate new corporate banking relationships, with particular focus on established corporates and major business groups.
• Develop and execute account and relationship strategies to grow the Corporate Banking portfolio.
• Maintain an active pipeline of new-to-bank prospects and convert opportunities into sustainable, profitable relationships.
• Leverage existing market relationships and regional/GCC networks to generate new business opportunities.
• Conduct regular client meetings, business reviews, site visits and market engagement.
• Identify opportunities across financing, trade finance, transaction banking, deposits, cash management, treasury and other banking solutions.
• Increase the Bank's wallet share with existing customers through effective cross-selling and relationship penetration.

Relationship & Portfolio Management

• Act as the primary relationship owner and point of contact for assigned corporate customers.
• Develop a comprehensive understanding of each client's business model, industry, ownership structure, strategy, financial position and banking requirements.
• Prepare and maintain relationship/account plans for key customers.
• Monitor utilization, profitability, deposits, cross-sell penetration and overall relationship returns.
• Maintain regular senior-level engagement with clients and proactively address their banking requirements.
• Ensure high standards of client service while protecting the Bank's commercial and risk interests.
• Manage customer retention and identify early opportunities or threats within the portfolio.

Credit Analysis & Financial Assessment

• Undertake comprehensive financial statement and credit analysis, including assessment of profitability, cash flows, leverage, liquidity, debt-servicing capacity and key financial ratios.
• Understand and assess corporate structures, business models, industries, management quality and key credit risks.
• Prepare high-quality credit applications, annual reviews, interim reviews and facility proposals.
• Recommend appropriate facility structures, limits, pricing, tenor, security and financial covenants.
• Demonstrate the ability to assess and structure working capital, bilateral financing, trade facilities, term financing and other corporate credit solutions.
• Monitor customer performance, covenant compliance, account conduct and early-warning indicators.
• Ensure timely renewal of facilities and completion of all required credit documentation.
• Work closely with Credit/Risk while maintaining clear ownership of the commercial proposition and credit rationale.

Product & Cross-Selling

• Originate and cross-sell the Bank's full suite of Corporate Banking solutions, including:
• Coordinate with product specialists to develop tailored solutions based on customer requirements.
• Maximize customer profitability and wallet share while maintaining appropriate risk-adjusted returns.

Portfolio Performance & Risk Management

• Manage the assigned portfolio against agreed revenue, profitability, asset, liability, cross-sell and credit-quality targets.
• Monitor facility utilization, excesses, past dues, documentation deficiencies and other portfolio exceptions.
• Conduct annual and periodic relationship reviews within prescribed timelines.
• Identify deterioration or emerging risks at an early stage and initiate appropriate corrective actions.
• Maintain strong asset quality and ensure that portfolio growth remains within the Bank's risk appetite.
• Maintain accurate and up-to-date customer, facility and account information.

Compliance & Governance

• Ensure full compliance with applicable regulatory requirements, KYC/AML standards, sanctions requirements and internal policies.
• Maintain compliance with Sharia principles applicable to Islamic banking products.
• Ensure customer documentation, facility documentation and approvals remain valid, current and complete.
• Adhere to the Bank's delegated authorities, credit policies, risk appetite and governance framework.

Academic Qualifications – Minimum Requirement

• Bachelor's degree in finance, Banking, Accounting, Economics, Business Administration or a related discipline.
• Professional credit, banking or financial-analysis qualifications are an advantage.

Minimum Experience

• Minimum 5-8 years of relevant banking experience, with meaningful experience in Corporate Banking relationship management.
• Proven track record in originating, developing and managing corporate banking relationships and portfolios.
• Demonstrated experience in corporate credit assessment and financial statement analysis.
• Strong understanding of corporate financing structures, working-capital requirements, trade finance and transaction banking solutions.
• Demonstrated ability to prepare and present high-quality credit proposals.
• Strong commercial orientation with proven ability to generate new business and deepen existing relationships.
• Strong Bahrain/GCC corporate banking experience is preferred, with regional GCC exposure considered a significant advantage.
• Existing corporate market relationships/network within Bahrain and/or the wider GCC would be highly desirable.