Relationship Manager - Business Banking
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Key skills for this role
About the Role
Mashreq is seeking a Relationship Manager for Business Banking to manage Small Enterprise relationships in Abu Dhabi. The role involves sourcing new business, cross-selling banking products, and managing credit portfolios.
Key Skills for This Role
Responsibilities
- Manage a set of existing Small Enterprise (SE) relationships and originate new SE relationships
- Achieve assigned financial and non financial objectives by meeting all borrowing & non borrowing needs of customers
- 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
- Constantly identify opportunities to upgrade customers to ME category
- Responsible for quality & soundness of assigned SE portfolio (KYC reviews, monitoring for due diligence, anti money laundering procedures etc)
- Conduct annual/periodic credit facility reviews and recommend appropriate credit facilities
Requirements
- At least 4 years+ relevant banking experience in local or international market
- Banking Sales & service experience with proven relationship management qualities
- Advanced vocational knowhow of Credit, Trade, Operating system, Legal
- Excellent communication and negotiation skills
- MBA/CA or regular graduate with adequate relevant experience
- Positive attitude, strong work ethic and a good team player
Full Job Posting
Job Description
- Manage a set of existing Small Enterprise (SE) relationships and originating new SE relationships in business communities around branch locations.
- Achieve assigned financial and non financial objectives by meeting all borrowing & non borrowing needs of customers.
Key Result Areas
- Improve share of wallet & target to be primary bank for each relationship.
- Enhance relationship revenue from existing portfolio by cross selling complete range of banking products.
- Assume complete ownership of customer relationship management for the assigned portfolio.
- Conduct annual/periodic credit facility reviews and recommend appropriate credit facilities.
- Follow up and monitor assigned relationships to ensure satisfactory account conduct.
- Implement and maintain complete control aspects i.e. documentation, periodical client visits, stock inspections.
- 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.
- Liaise with superiors and direct reports within the business units, Risk Management and related enabler units.
- Achieve assigned financial and non financial targets.
Knowledge, Skills and Experience
- 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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