Relationship Manager

Role: Gold Relationship Manager – Priority Banking                       
Division: Retail Banking 
Location: Dubai                                                                                             
Department: Priority Banking                                                                 

ROLE PURPOSE: 
To attract, deepen, grow and manage financial relationships with affluent clients, using full range of banking products and tools, utilizing a team-based approach to provide complete solutions to clients’ financial needs

Key Accountabilities of the role
RESPONSIBILITIES:

1.    Client/ Business Acquisition :
•    Generating of new business via out marketing activities, gold center contacts and existing network
•    Increasing team revenue and productivity by cross- selling and up-selling.
•    Acquiring new to bank customers
•    Identifying new potential expansion locations
•    Converting in-bound and outbound leads to sales
•    Building a strong trust relationship with key customers
•    Maintaining a loyal pool of customers/alliances who refer potential customers
•    Carrying out the function(s) of promoting the financial products.
•    Collection of the required information and data
•    Evaluation of the clients’ ability and appetite to handle the risks (Risk Profile) and the detailed functions associated therewith.
2.    Channels Cooperation:
•    Making referrals to other channels based on identified customer needs
•    Smoothly implementing of Priority Banking services across surrounding branches
3.    Management of service delivery:
•    Monitoring service levels for customer satisfaction
•    Customer retention efforts with personal involvement in complaint resolution, account closures and inquiries.
•    Getting ad-hoc customer feedback.
4.    Control and Risk Mitigation:
•    Reviewing of credit applications
•    Adhering to laid out processes and procedures 
•    Ensuring appropriate and adequate documentation 
•    Identifying trends of errors and proactively advice processes improvements    

The competencies required to undertake this role and the level at which performance would be assessed as being satisfactory are:
(1 - least desirable, 5 – max desirable) 

BEHAVIOURAL COMPETENCIES
Customer Focus    5
Drive for Excellence    4
Integrity & Trust    5
Ownership    3
Decision Quality    4
Business Acumen     3
Strategic Ability    3

Specialist Skills / Technical Knowledge, Technical Competencies Required for this role:

•    University degree or a recognized professional certificate.
•    Experience of no less than three years in the area of the financial analysis, financial markets, investment, wealth management, or financial planning.
•    Detailed knowledge of ADIB’s Retail Banking products & services
•    Experience in sales, product development or wealth advisory to priority banking customers/ retail HNIs
•    Broad knowledge of ADIB’s Retail Credit & Operational Policies & Procedures
•    Specific Knowledge of UAE banking practices , regulations & risks
•    UAE Financial Rules & Regulations Certification
•    International Certificate in Wealth and Investment Management (Level 3)
•    Risk in Financial Services Certification 
•    Introduction to Securities and Investment (international) 
•    Good Knowledge of competitors in the local market
•    Must have led a team of professionals
•    Detailed knowledge of service standards 
•    Training & Presentation skills
•    Computer Skills

Previous experience: Minimum (3) years  of Related Banking experience in U.A.E