14 Oct
Abu Dhabi Islamic Bank PJSC
Dubai
Relationship Manager - Corporate Banking
Location: Dubai
Role 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.
- To build a liability book for LC/MM business in Dubai.
- To be fully involved and primarily responsible for account strategy and business growth.
Key Accountabilities of the Role:
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 relationships.
- Work closely with the customer service unit to ensure that clients’ day-to-day transaction needs are addressed.
- 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 fulfilment of all required documentation (including insurance) as per the bank's credit policies and procedures.
- Ensure all deferred documentation is obtained on time.
- Continuously monitor overall performance of the 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 the industry, key levers, and key products to offer.
- Ensure that all new deals in discussion are recorded and updated in the 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.
- 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 with group policies and processes including Sharia requirements, Central Bank regulations, and other internal Legal and Compliance regulations.
- Ensure satisfactory internal and external audit ratings.
Other:
- Attend recommended training.
Specialist Skills / Technical Knowledge Required for This Role:
- Strong analytical and relationship skills.
- Strong KYC understanding and management skills.
- Knowledge of credit policy & procedure.
- Customer service oriented.
- Strong marketing skills.
Job Information:
- Job ID: 1961
- Posting Date: 05/02/2024, 12:25 PM
- Closing Date: 06/30/2024, 12:25 PM
- Location: Dubai, Sheikh Zayed Road, The H Dubai Office Tower, Dubai, AE
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🖊️ Abu Dhabi Islamic Bank PJSC
📍 Dubai