Director, Business Banking - Trade Working Capital

Profitability & Expense Control

• Ensure effective utilization of limits to maximize profitability.
• Regularly monitor MIS reports for FX and Trade Working Capital revenues and utilizations.
• Continuously seek to increase revenue margins from customers.

Customer Service & Service Level

• Whenever needed, contact customer service groups and processing units to ensure satisfactory service standards are met.
• Operations and Process responsibilities.

Activities / Operations

• Discuss credit packages with respective Credit Team and approving authorities if needed.
• Establish and maintain a close working relationship with Credit Division/ Credit Administration.
• Understand customer’s financial needs & initiate formulation of written proposals to fulfill these needs with bank’s products within the general guidelines of
• Business Banking and regulating authorities.
• Review credit analysis and add high standard qualitative comments.

Compliance

• 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.

REQUIREMENTS / QUALIFICATIONS

Required

• University Degree - MBA / PGDM / CA / CFA or similar certification preferable.
• 5-8 years’ relevant experience in the banking sector with at least 4 years in similar positions of progressively increasing managerial responsibilities in the Business Banking function.
• Trade Working Capital Experience is a must.
• Strong understanding of financial statement analysis, conducting due diligence for lending cases, ability to risk assessment.
• Strong knowledge of Trade Finance and Real Estate Finance products.
• Good understanding of market best practices and dynamics including demographic factors, competitor products and services.
• Strong understanding and working knowledge of SME banking and related regulations.
• Understands legal structures consistent with different type of businesses.
• Proven ability to communicate and influence at different levels and to a variety of audiences.
• Proven achievement of meeting or exceeding sales targets. Having a sales hunting mindset.
• Able to evaluate, analysis, draw conclusions and develop insightful recommendations and solutions.
• Strong entrepreneurial / commercial / business acumen with an understanding of wider economic issues.
• Proven ability to build and maintain strong customer relationships.

Preferred / Beneficial

• Real Estate Financing Experience will be valuable as well.

Source: First Abu Dhabi Bank careers page