Relationship Manager, Services & Manufacturing (UAE National Only)
Mashreq · United Arab Emirates
Job Purpose
To manage and enhance the existing commercial asset portfolio and solicit acceptable new relationships in order to meet pre-set financial / non-financial objectives
Key Result Areas
- Review the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risks to an acceptable level.
- Obtain audited financial statements, analyze them, and recommend credit proposals of potential borrowers to the approving authority to meet financial objectives.
- 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.
- Undergo an annual credit review process on the assigned portfolio to achieve a satisfactory rating on asset portfolio quality and credit management process.
- Develop on the job learning curve of RO / SRO to enable them to grow professionally and prepare them for higher levels of responsibility.
Knowledge, Skills and Experience
- Complete knowledge and clear understanding of the Bank’s credit policy and operating systems.
- Strong credit knowledge and marketing skills mandatory.
- Thorough awareness of various financial products / services.
- Excellent interpersonal, communication and analytical skills with ability to perform as a team player.
- An MBA is preferred with minimum marketing experience of
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Support Unit Managers in maintaining complex, multi product Group relationships (Group Turnover > AED 3Bn) and soliciting new relationships within defined market segments and geographies by originating transactions across the Bank’s product suite to meet financial and non financial objectives. Support deal origination and coordinate between clients and product teams during mandate execution. Work with Credit Relationship Managers on financial analysis, credit risk assessment, risk rating, and facility structuring for assigned corporate relationships. Meet customers, prepare Credit Proposals (new, renewals, amendments), and liaise with WRM and Compliance to resolve related queries. Maximize utilization of approved credit limits by facilitating transactions and addressing operations or documentation requirements. Understand the strategic orientation of key relationships and provide backup to the Unit Manager in executing Relationship Strategy and Account Plans.
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