Relationship Manager

What You’ll Be Doing:

Business Development & Portfolio Growth

• Drive portfolio growth by acquiring new-to-bank customers and expanding existing client relationships.
• Achieve asset growth, revenue, fee income, and cross-sell targets in line with business objectives.
• Identify and capitalize on business opportunities within the Commercial Banking segment.
• Build and maintain a strong pipeline of prospective customers.

Relationship Management

• Develop trusted relationships with clients and become their primary banking advisor.
• Understand customer requirements and provide tailored banking solutions to meet their business needs.
• Maintain regular engagement with customers to strengthen relationships and identify growth opportunities.
• Ensure a high standard of service delivery and client satisfaction.

Credit & Lending

• Prepare credit proposals, credit memos, amendments, revalidations, extensions, and related documentation.
• Conduct financial statement analysis and industry assessments.
• Present lending proposals while ensuring adherence to the Bank’s risk appetite and credit policies.
• Monitor portfolio quality and covenant compliance.

Transaction & Operational Support

• Support clients with transactional banking requirements and financing solutions.
• Coordinate disbursements and documentation with Operations, Credit, Trade Finance, and Corporate Administration teams.
• Assist with account opening, profile updates, digital banking applications, and other servicing requirements.
• Ensure timely resolution of customer requests and operational matters.

Stakeholder Management

• Work closely with Risk, Credit, Treasury, Legal, Compliance, and Operations teams.
• Coordinate internal approvals and documentation to facilitate efficient turnaround times.
• Build effective working relationships across the Bank to support client needs.

Governance, Risk & Compliance

• Ensure adherence to all internal policies, regulatory requirements, and governance frameworks.
• Maintain strong awareness of AML, KYC, and Central Bank regulations.
• Ensure clients meet compliance standards and all documentation requirements.
• Support audit and risk-management requirements across the portfolio.

What We’re Looking For:

Education:

• Bachelor’s degree in a relevant discipline.
• MBA, CA, CFA, or equivalent professional qualifications will be an advantage.

Experience:

• Minimum 5 years of experience in Commercial Banking, Business Banking, Corporate Banking, or a similar relationship management role.
• Proven track record in business development, portfolio growth, and credit management.

Industry Exposure:

• Strong understanding of commercial lending, credit analysis, and financial products.
• Knowledge of the UAE banking market and local business environment.
• Familiarity with banking regulations, AML requirements, and credit risk principles.

What’s In It For You:

• Competitive, performance-linked compensation.
• Medical coverage for you and your family.
• Comprehensive life insurance.
• Opportunity to manage and grow a diverse commercial banking portfolio.
• Career development and growth opportunities within a leading UAE bank.
• Collaborative and high-performance work environment.

Skills:

• Relationship Building: Strong client-facing, interpersonal, and networking skills.
• Business Development: Demonstrated ability to acquire and grow commercial banking relationships.
• Credit Analysis: Strong understanding of financial statement analysis and credit proposal writing.
• Commercial Acumen: Good understanding of customer needs, industry dynamics, and market trends.
• Communication & Negotiation: Excellent presentation, negotiation, and stakeholder management skills.
• Regulatory Knowledge: Understanding of AML, KYC, and UAE banking regulations.