Relationship Manager

ADIB - Abu Dhabi Islamic Bank

Posted on 25 Aug

Experience

3 - 6 Years

Education

Any Graduation()

Nationality

Any Nationality

Gender

Not Mentioned

Vacancy

1 Vacancy

Job Description

Roles & Responsibilities


Role Purpose:

To manage an assigned existing portfolio and a list of Target Market 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 satisfaction

To be fully involved and primarily responsible for account strategy and business growth

Key Accountabilities of the role

Relationship management
Manage assigned portfolio with focus on mid-size relationships (~10 for Large Corps, ~25 for Emerging Corps and ~20 for Government)
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

Risk management & credit analysis
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

Build sector expertise
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

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
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 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 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

Other
Attend recommended trainings

Specialist Skills / Technical Knowledge Required for this role:

Strong analytical skills
Knowledge of credit policy & procedure
Customer Service Oriented
Strong Marketing Skills

Company Industry

Department / Functional Area

Keywords

  • Relationship Manager

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