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Open nowPosted yesterday

Relationship Manager - Business Banking

Mashreq312 open roles

Where
United Arab Emirates
Work mode
On site
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Your applicationOpen nowRelationship Manager - Business BankingMashreq · United Arab Emirates
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The clock on this job

Early applications get read.

13.4% of postings close within 7 days. Measured by our own scanner across the market. Mashreq postings stay open a median of 19 days.

Share of postings closed within
  1. 2.2%1 day
  2. 4.6%3 days
  3. 13.4%7 days
  4. 21.6%14 days
  5. 36.2%30 days
  6. 59.0%60 days
This job: posted yesterday

Mashreq median: 19 days open

The posting

Job Description

Manage a set of existing Small Enterprise (SE) relationships and originating new SE relationships in business communities around branch locations.

To achieve assigned financial and non financial objectives by meeting all borrowing & non borrowing needs of customers with target segments (Viz. borrowers, transactors, depositors).

Actively source new-to-bank customers and generate new business leads from walk-in customers.

Manage all customers focusing on relationship Management & up-selling/ deep-selling/ cross selling other bank products. Seamlessly takeover new relationships originated by DS & relationships downgraded by ME team using defined customer on-boarding procedure.

Constantly identify opportunities to upgrade customers to ME category by identifying customer's needs & profiling.

Responsible for quality & soundness of assigned SE portfolio (KYC reviews, monitoring for due diligence, anti money laundering procedures etc).

Responsibilities

  • Improve share of wallet & target to be primary bank for each of the relationships in the assigned portfolio. Enhance relationship revenue from existing portfolio of borrowing & non-borrowing accounts by cross-selling complete range of banking products.
  • Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer service.
  • Conduct annual/periodic credit facility reviews in the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the banks credit policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades/ upgrades.
  • Follow-up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of various credit related issues.
  • Implement and maintain complete control aspects i.e. documentation, periodical client visits / call reports, stock inspections and formal credit checks / informal market feedback to monitor the assigned portfolio effectively.
  • Maintain acceptable portfolio quality.
  • Screen the market for NTB opportunities.
  • Liaise between internal and external advisors to ensure precision of agreements.
  • Develop on the job learning curve of SSO to enable them to grow professionally and prepare them for higher levels of responsibility.
  • Liaise with superiors and direct reports within the business units, Risk Management and related enabler units within the bank to achieve business objectives.
  • Achieve assigned financial and non financial targets.
  • Adhere to all the compliance & regulatory policies with regards to KYC/ AML etc as set out by the bank from time to time.
  • Update branch manager and regional SE manager on regular / weekly for better controls on sales and relationship management.
  • Regularly upgrade existing SE customers to ME segment by offering need based solution as per client's profile & requirements.

Qualifications

  • Banking Sales & service experience with proven relationship management qualities.
  • Requires advanced vocational knowhow of the subject matter (viz. Credit, Trade, Operating system, Legal, etc)
  • Excellent communication and negotiation skills.
  • At least 4 years + relevant banking experience in local or international market
  • MBA/CA or if a regular graduate needs to possess adequate relevant experience.
  • Positive attitude, strong work ethic and a good team player.
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