Job description

The Senior Relationship Manager, Trade & Working Capital manages an existing portfolio and solicits new Trade & Working Capital relationships within the Business Banking Division to meet pre-set financial and non-financial objectives. The role actively sources new-to-bank customers, generates new business leads from walk-in customers, and seamlessly takes over new relationships originated or referred by channels within the bank. Mandate includes improving share of wallet to position the bank as the primary bank across managed relationships; enhancing relationship revenue from borrowing and non-borrowing accounts by cross-selling the complete range of bank products; screening the market for NTB opportunities within defined segment and acceptable risk parameters; assuming complete ownership of the managed portfolio with hands-on relationship management to ensure effective and timely delivery of bank services and products. The role executes annual/periodic credit facility reviews, recommends appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risks, identifies candidates for downgrades/upgrades, and closely monitors assigned relationships for satisfactory account conduct and early rectification of credit-related issues. Control aspects include documentation, periodical client visits/call reports, stock inspections, and formal credit checks/informal market feedback to maintain acceptable portfolio quality. The position liaises between internal and external advisors to ensure precision of agreements, develops ARMs via on-the-job learning, works with superiors and enabler units (Risk Management and others) to achieve objectives, and adheres to compliance and regulatory policies regarding KYC/AML. Required capabilities include banking sales and service experience with proven relationship management, in-depth awareness of financial products and services, familiarity with digitization and technological advancements in operations, and minimum 5 years relevant local-market experience with preferred MBA/CA or equivalent. The role is full time and based in the United Arab Emirates (FTO).