Senior Relationship Manager - Corporate Banking

Kuwait Finance House Group; Manama; Presencial; BHD 60 000 - 100 000; Tempo integral

Resumo da oferta

Kuwait Finance House Group in Bahrain seeks a senior Corporate Banking professional to originate and manage key client relationships, drive cross-sell opportunities and oversee credit assessments. You will engage with major corporate groups, structure facilities, and collaborate with risk teams to protect commercial returns.

The role requires deep market knowledge of Bahrain and GCC networks, strong relationship management, and the ability to deliver tailored banking solutions across treasury,

Qualificações

• Bachelor's degree in finance, banking, economics or related discipline.
• 5–8 years of banking experience with corporate banking relationship management.
• Proven ability to originate, develop and manage corporate relationships and portfolios.
• Strong skills in credit assessment, financial statement analysis and risk considerations.
• Experience in Bahrain/GCC markets is preferred, with regional exposure a plus.

Responsabilidades

• Identify, target and originate new corporate banking relationships, with 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.
• 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.

Conhecimentos

Relationship management

Cross-selling

Portfolio management

Credit analysis

Financial analysis

Client meetings

Market networking

Formação académica

Bachelor's degree in Finance/Banking or related field

Professional credit/banking qualifications (advantage)

Descrição da oferta de emprego

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.
• 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 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.