Mashreq
Senior Relationship Manager, Trade & Working Capital
- Permanent
- Dubai, United Arab Emirates
- Experience 5 - 10 yrs
Job overview
Date posted
27/08/2025
Location
Dubai, United Arab Emirates
Salary
AED 30,000 - 40,000 per month
Compensation
Comprehensive package
Experience
5 - 10 yrs
Seniority
Senior Manager
Qualification
Bachelors degree
Expiration date
11/10/2025
Job description
To manage existing and solicit acceptable new Trade & Working Capital (TWC) relationships for the Business Banking Division, in order to meet pre-set financial and non-financial objectives. The role involves actively sourcing new-to-bank customers, generating business leads, managing relationships, cross-selling other bank products, and ensuring compliance with approved policies while maintaining portfolio quality.
Required skills
trade finance
working capital management
relationship management
cross selling
credit facility reviews
portfolio management
financial analysis
risk management
credit policy compliance
KYC
AML
financial products knowledge
sales
negotiation
stock inspections
documentation control
customer service
business development
Key responsibilities
- Improve share of wallet and target to be primary bank for each of the relationships in the portfolio under management.
- Enhance relationship revenue from existing portfolio of borrowing and non-borrowing accounts by cross-selling complete range of products offered by the bank.
- Screen the market for NTB opportunities and develop the portfolio by soliciting new relationships within the defined segment and acceptable risk parameters.
- Assume complete ownership of the managed portfolio and provide superior customer service.
- Maintain close working relationships with clients to reduce risks, promote cross-sell, and maximize earnings.
- Conduct annual/periodic credit facility reviews in the existing portfolio and recommend appropriate credit facilities in line with the bank’s credit policy.
- Hands-on relationship management to ensure effective and timely delivery of the bank’s services/products.
- Follow up and closely monitor assigned relationships to ensure satisfactory account conduct and early rectification of credit issues.
- Implement and maintain complete control aspects such as documentation, client visits, call reports, stock inspections, and formal credit checks.
- Liaise between internal and external advisors to ensure precision of agreements.
- Develop on-the-job learning curve of ARMs to enable professional growth.
- Liaise with business units, Risk Management, and enabler units to achieve business objectives.
- Adhere to compliance and regulatory policies regarding KYC and AML.
Experience & skills
- Banking sales and service experience with proven relationship management skills.
- In-depth awareness of financial products and services.
- Understanding of digitization and technological advancements in operations.
- Strong interpersonal, negotiation, and analytical skills.
- Ability to perform as a team player.
- MBA/CA or equivalent preferred.
- Minimum 5 years of relevant experience in the local market.