Senior Relationship Manager
- الإمارات
- دائم
- دوام كامل
Location : DubaiRole Purpose:
To manage an assigned existing Commercial Real Estate clients portfolio and a list of Target Market Commercial Real Estate potential prospects for acquisition towards achieving financial targets (including but no limit to revenue, new net revenue, volume, cross-sell ratio, ROE, and ROA) and overall customer satisfactionTo be fully involved and primarily responsible for account strategy and business growthKey Accountabilities of the roleRelationship management
- Manage assigned portfolio with a focus on relationships
- 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 relationship
- Work closely with 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 (incl. insurance) as per the banks credit policies and procedures
- Ensure all deferred documentation is obtained on time
- Continuously monitor overall performance of 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
- Understand market and business trends
- Develop sector expertise: understand economics of industry, key levers and key products to offer
- Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis
- 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
- Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis
- Manage a list of prospects as assigned centrally and ensure that adequate follow up is made leading to new client acquisition
- Ensure that activities are in full compliance of group policies and processes including Sharia requirements, Central Bank regulations and other internal Legal and Compliance regulations at all times
- Ensure satisfactory internal and external audit ratings
- Attend recommended trainings
- Knowledge of credit policy & procedure
- Strong analytical skills
- Customer Service Oriented
- Strong Marketing Skills