27 Oct
ADIB - Abu Dhabi Islamic Bank
Abu Dhabi
Relationship Manager - RB-Business Liabilities & Cash Management (Outsource Role)
Job Description
Role: Relationship Manager
Location: Abu Dhabi
Role Purpose: This role is primarily responsible for developing and maintaining business relationships with SBF clients to fulfill their banking requirements. Enhance customer relationships through regular planned meetings to maintain proper business relationship, identify further opportunities for x-sell and improve service.
Key Accountabilities of the role
RESPONSIBILITIES:
Credit
- Acquire volumes principally from within the bank's existing portfolio (x-sell) and through other contacts / efforts and develop a database of qualified leads through referrals, telephone canvassing,
face-to-face cold calling with business owners, direct mail, email, and networking on a selective basis to achieve your business targets.
- Call report preparation to be of high standards i.e. informative, presentable, conclusive, professional, and comprehensive.
- Prepare credit applications - analyze financial statements/bank statements and make them ready for approval. Ensure that CA's for clients are correctly prepared in accordance with the bank's policies and regulatory framework.
- Analyze working capital requirements for clients, monitor the financial health of the client's business and industry.
- Ensure that all documentation for credit proposals is complete with sufficient covered collaterals.
- Initiate and ensure disbursements and adjustments of facilities.
- Ensure that the approved credit lines are valid and available for the clients.
- Liaise with various internal departments (credit-risk, legal, operations, Trade finance...)
for smooth and quick turnaround of transactions.
- Strictly adhere to the Bank's financing policy Manual and report any exceptions.
- Proper credit monitoring, through different methods mainly regular customer site visits i.e. office, showrooms, warehouses... and providing call reports for the same.
- Recover the bank's dues in time through daily reports and ups.
- Provide practical and suitable options to help consumers make informed decisions that are in consumers' best interest including assessment of appropriateness, affordability, and suitability.
- Ensure ethical sales practices are followed without fail which must be conducted with due skill, care and diligence, integrity and in a fair, honest and professional manner towards consumers.
Must not indulge in misleading or aggressive sales practices and exploitation of customers due to their vulnerabilities, apathy or lack of knowledge.
- Ensure that customers are made aware of and understand the proposed terms and conditions prior to the final stage of the sales process or the time of signing of the Facility Offer Letter.
Customer Service
- Maintain contact with all clients in the market area to ensure high levels of Client Satisfaction.
- Maintain high standard service with customers and ensure no complaints.
- Respond to customer calls and start with appropriate greetings.
- Develop, enhance, and maintain relationships with prospective clients to ensure revenue/profit targets are met/exceeded.
- Ensure that service quality norms and client satisfaction scores are met for their set of clients.
Internal / External Cooperation
- Demonstrate ability to interact and cooperate with all bank employees.
- Build trust, value others, communicate effectively, drive execution, foster innovation, focus on the customer, collaborate with others, solve problems creatively and demonstrate high integrity.
- Maintain professional internal and external relationships that meet department core values.
- Proactively establish and maintain effective working team relationships with all support departments.
- Complete mandatory training within bank provided timelines and ensure that the staff enhance their skills by opting for/undergoing appropriate training as per their development requirements identified through discussions with their Line Managers.
Specialist Skills / Technical Knowledge Required for this role:
- Good knowledge of ADIB's Business Banking products & services.
- Experience in credit analyses.
- Good knowledge of ADIB's Operational Policies & Procedures.
- Proficient in credit appraisal techniques including credit, risk, business & financial analysis.
- Knowledge of Business Relationship Management.
- Fair knowledge of UAE banking practices, regulations & risks.
- Good knowledge of Anti-Money laundering regulations issued by the UAE Central Bank and other regulatory authorities.
- General awareness of competitors in the local market.
- Excellent knowledge of service standards.
- Knowledge of Cross Sales.
- Computer skills.
- Excellent Communication Skills.
Job ID: 300001721467357
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▶️ Relationship Manager - RB-Business Liabilities & Cash Management (Outsource Role)
🖊️ ADIB - Abu Dhabi Islamic Bank
📍 Abu Dhabi