Relationship Manager - Business Banking.RBU - Muraqabat branch - Business Banking.41.Retail Banking Group
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Key skills for this role
About the Role
Mashreq is seeking a Relationship Manager for Business Banking in Abu Dhabi to manage and grow a portfolio of Small Enterprise relationships. The role involves sourcing new customers, cross-selling banking products, conducting credit reviews, and ensuring portfolio quality.
Key Skills for This Role
Responsibilities
- Manage a set of existing Small Enterprise (SE) relationships and originate 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
- 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)
- Conduct annual/periodic credit facility reviews in the existing portfolio in a timely manner and recommend appropriate credit facilities
- Follow up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of credit issues
- Screen the market for NTB opportunities
Requirements
- 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
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 with target segments.
- 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).
Key Result Areas
- 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.
- 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.
- 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.
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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