Director, Business Banking - Trade Working Capital
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Key skills for this role
About the Role
First Abu Dhabi Bank seeks a Director for Business Banking Trade Working Capital to manage SME and mid-market client relationships, drive sales, and ensure risk compliance. The role requires strong financial analysis, trade finance expertise, and a sales-oriented mindset.
Key Skills for This Role
Responsibilities
- Increase depth and breadth of relationship with existing customers
- Actively source business from prospects and follow up on sales leads
- Prepare Credit Applications, analyse financial statements, and ensure compliance with bank policies
- Pro actively manage assigned portfolio risk and ensure timely renewal of accounts
- Monitor MIS reports for FX and Trade Working Capital revenues and utilizations
- Establish and maintain close working relationship with Credit Division
- Comply with bank policies and procedures and governing regulations
Requirements
- University Degree MBA / PGDM / CA / CFA or similar certification preferable
- 5 8 years relevant experience in banking with at least 4 years in similar positions in Business Banking
- Trade Working Capital Experience is a must
- Strong understanding of financial statement analysis and due diligence for lending
- Strong knowledge of Trade Finance and Real Estate Finance products
- Good understanding of market best practices and SME banking regulations
- Proven ability to communicate and influence at different levels
- Proven achievement of meeting or exceeding sales targets
- Strong entrepreneurial / commercial / business acumen
Full Job Posting
Job Summary / Introduction
- SME & Mid Market Companies play a significant role in driving the economic health of the UAE and specifically Dubai market.
- The jobholder will prepare a self development plan and work progressively towards achieving it.
- Should have a strong ability to provide direction in assessing and capturing customer needs and opportunities.
Key Responsibilities
- Increase depth and breadth of Relationship with existing customers.
- Increased sales volumes/ market shares in target market.
- Utilization of limits for the new approved limits.
- Number and quality of Credit Applications processed.
- Response & Turnaround Times of Customer requests & processing business applications.
- Alignment of structure & pricing of the proposed limits with customers’ needs.
- Establishment of an efficient customer focused approach representing a strong competitive edge.
- Increase share of high end market and quality business within assigned segment.
- By using the existing borrowing clientele’s suppliers & buyers, creating new borrowing relationship to the bank.
- To develop and manage the portfolio of the company for Corporate/ Commercial Financing.
- Provide customers with accurate and timely information on products and reveal the benefits affecting their businesses.
- Actively source business from prospects and follow up on sales leads within designated market segments.
Risk Management
- Prepare Credit Application (CA), analyse financial statements, and make it ready for approvals.
- Ensure CA’s for new clients and renewals for existing clients are correctly prepared in accordance with the bank policies and regulation framework.
- Recognize early warning signals of unsatisfactory account conduct and pursue the collection of past due loans.
- Assess the financial and business risks involved in lending to particular businesses.
- Identify and analyze the areas of potential risk threatening the assets, earning capacity or success of Organizations.
- Pro actively manage the assigned portfolio risk by ensuring timely renewal of accounts.
Profitability & Expense Control
- Ensure effective utilization of limits to maximize profitability.
- Regularly monitor MIS reports for FX and Trade Working Capital revenues and utilizations.
- Continuously seek to increase revenue margins from customers.
Customer Service & Service Level
- Whenever needed, contact customer service groups and processing units to ensure satisfactory service standards are met.
Activities / Operations
- Discuss credit packages with respective Credit Team and approving authorities if needed.
- Establish and maintain a close working relationship with Credit Division/ Credit Administration.
- Understand customer’s financial needs & initiate formulation of written proposals to fulfill these needs with bank’s products.
- Review credit analysis and add high standard qualitative comments.
Compliance
- Compliance with bank related policies and procedures, and Business Banking standards.
- Adhere and comply with bank’s internal applicable policies and procedures as well as governing regulations.
- Cooperate and facilitate work of internal audit and risk management.
- Monitor money laundering activities and coordinate remedial actions with management.
Required
- University Degree MBA / PGDM / CA / CFA or similar certification preferable.
- 5 8 years’ relevant experience in the banking sector with at least 4 years in similar positions.
- Trade Working Capital Experience is a must.
- Strong understanding of financial statement analysis, conducting due diligence for lending cases.
- Strong knowledge of Trade Finance and Real Estate Finance products.
- Good understanding of market best practices and dynamics.
- Strong understanding and working knowledge of SME banking and related regulations.
- Understands legal structures consistent with different type of businesses.
- Proven ability to communicate and influence at different levels.
- Proven achievement of meeting or exceeding sales targets.
- Able to evaluate, analysis, draw conclusions and develop insightful recommendations.
- Strong entrepreneurial / commercial / business acumen.
Preferred / Beneficial
- Real Estate Financing Experience will be valuable as well.
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