Relationship Manager

3 days ago


Dubai, Dubai, United Arab Emirates ADIB - Abu Dhabi Islamic Bank Full time
Job Description

Role: Relationship Manager - Corporate Banking

Location: Dubai

Job Purpose: To manage an assigned existing portfolio and a list of target market potential prospects for acquisition towards achieving financial targets (including but not limited to revenue, new net revenue, volume, cross-sell ratio, ROE, and ROA) and overall customer satisfaction.

Key Responsibilities:

  • Relationship Management:
    • Manage assigned portfolio with a focus on building liabilities for LC/MM business in Dubai.
    • Achieve financial targets assigned in line with portfolio handled (e.g., total revenues, revenue from treasury products, revenue from cash management, RORC, etc.).
    • Ensure regular interaction with clients to address any banking/financial needs and increase ADIB share of wallet.
    • Conduct joint client calls with product partners (CFIB, Treasury, GTS) as per the account plan to identify opportunities to deepen relationship.
    • Work closely with customer service unit to ensure that clients' day-to-day transaction needs are addressed.
  • Risk Management & Credit Analysis:
    • Assume responsibility for credit risk and day-to-day management of own portfolio.
    • Conduct due diligence in preparing credit applications including screening against TM & RAC and prepare green light memos for CRT.
    • Structure facilities that comply with ADIB's credit policy with adequate security/collateral, terms and conditions, and profitability (ROA, RORC) in line with thresholds.
    • Negotiate internally and with clients for closure of deals.
    • Ensure fulfillment of all required documentation (incl. insurance) as per the bank's credit policies and procedures.
    • Ensure all deferred documentation is obtained on time.
    • Continuously monitor overall performance of company and its industry through the calling process.
    • Execute annual renewals of facilities on time.
    • Monitor and track assigned portfolio on a dynamic basis to recognize problem credits early.
  • Build Sector Expertise:
    • Understand market and business trends.
    • Develop sector expertise: understand economics of industry, key levers, and key products to offer.
    • Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis.
  • Process Implementation:
    • Conduct client calls at least quarterly.
    • Document call memos in standard format capturing the contents of the meeting, opportunities for business development, client's financial plan, etc.
    • Develop account plans for each relationship and use it as a basis for regular client calling; keep account plans updated.
    • Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis.
    • Manage a list of prospects as assigned centrally and ensure that adequate follow-up is made leading to new client acquisition.
    • Ensure that all operational issues are addressed to the satisfaction of customers (e.g., establishment of LCs/LGs, disbursement of financing, etc.).
  • Compliance:
    • Ensure that activities are in full compliance of group policies and processes including Sharia requirements, Central Bank regulations, and other internal Legal and Compliance regulations always.
    • Ensure satisfactory internal and external audit ratings.
  • Other:
    • Attend recommended trainings.


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