Relationship Manager, Business Banking - Liabilities

Risk Management

• Timely updating of KYC
• Work closely with internal departments to cover Compliance Risk, operational risk and any credit risk exposure, where applicable
• Prepare Credit Application (CA), analyze financial statements, and make it ready for approvals
• Ensure CA’s for new clients and also renewals for existing clients are correctly prepared in accordance with the bank policies and regulation framework.
• Recognize early warning signals of unsatisfactory account conduct and pursue the collection of past due loans.
• Effective work processing and risk management.
• Assess the financial and business risks involved in lending to particular businesses, mainly by looking at the Company’s competitive position within its
• industry, its strategic direction, management quality and its financial profile wherever required
• Perform analysis to credit worthiness and recommend appropriate credit limits.
• Pro-actively manage the assigned portfolio risk by ensuring timely renewal of accounts within the applicable time standards, provided all required information is available.
• Compliance with bank related policies and procedures, and Business Banking standards in structuring & pricing of limits.
• Adhere and comply with bank’s internal applicable policies and procedures as well as governing regulations issued by concerned authorities.
• Cooperate and facilitate work of internal audit and risk management to address gaps, and respond to audit reports within agreed deadlines
• Monitor money laundering activities and coordinate remedial actions with management.

Profitability & Expense Control

• Ensure effective utilization of limits in order to maximize profitability.
• Regularly monitor MIS reports for FX and Trade revenues – EDW Dashboard
• Continuously seek to increase revenue margins from customers.

Customer Service & Service Level

• Practice high-quality customer service standards
• Operations and process responsibilities.
• Contact customer service groups and processing units to ensure satisfactory service standards are met.
• Strick adherence to bank policies to avoid any potential fraud or against operational risks

REQUIREMENTS / QUALIFICATIONS

Required

• Proven ability, with a successful record of accomplishment in driving a high-performance culture across the team delivering customer and financial objectives.
• Sales Management and being a team player
• Excellent Interpersonal skills, with a particular emphasis upon inspiring, influencing and negotiating in dealing with customers and colleagues.
• Ability to effectively plan and organize, with tenacity to drive through results.
• Strong business assessment skills, particularly with regards to more complex structures and facilities with an international dimension.
• Leadership, performance management and team development.
• Strong analytical ability
• Visible and motivational leadership
• Business acumen.
• Qualification to a University Degree

Preferred / Beneficial

• Enthusiasm for collective management and the need to drive behavioral change, with an absolute intolerance of mediocrity.
• Innovative with a flair of solving problems
• Knowledge of general and business banking including the competitive landscape, with a detailed knowledge of competitor propositions.
• Excellent communication skills, including written, verbal and the ability to deliver compelling presentations.
• Strong knowledge of SME proposition.
• Proven ability in identifying and meeting customer needs through a broad range of products and services.
• Ability to interact with all levels of stakeholders.
• Qualification to a Postgraduate in Business Management or business administration.

Source: First Abu Dhabi Bank careers page