Relationship Manager - Liabilities
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Key skills for this role
About the Role
First Abu Dhabi Bank (FAB) is seeking a Relationship Manager for Liabilities to acquire and manage high-value client relationships, focusing on liability growth and revenue enhancement.
Key Skills for This Role
Responsibilities
- Acquire NTB high value clients and enhance existing high value relationships to increase liability book and revenue
- Strong engagement with clients to understand and improve their banking services
- Understand client’s requirement to increase the bank’s wallet share
- Cross sell and upsell bank’s products and services to maximize revenue
- Negotiate with internal clients and structure pricing of GM and Cash products as per customers’ needs
- Establish and maintain a working rapport with customers by providing expertise in identifying their financial needs
- Provide customers with accurate and timely information on products
- Actively source business from prospects and follow up on sales leads
- Plan timely visits to clients to introduce GTB and GM partners
- Identify and forward sales leads to other areas in the Bank for cross selling
- Timely updating of KYC
- Prepare Credit Application (CA), analyze financial statements, and make it ready for approvals
Requirements
- University Degree
- Proven ability in driving a high performance culture delivering customer and financial objectives
- Sales Management and being a team player
- Excellent Interpersonal skills, with emphasis on inspiring, influencing and negotiating
- Ability to effectively plan and organize with tenacity to drive results
- Strong business assessment skills, particularly for complex structures and facilities with international dimension
- Strong analytical ability
- Post graduate in Business Management or business administration (desirable)
Full Job Posting
Job Description
- First Abu Dhabi Bank is an inclusive environment where each person values the experiences, perspectives, ideas and beliefs of others.
- At FAB, you’ll have the support of your team and a strong relationship with your line manager, who will trust you with responsibility and recognize your good performance.
Generic Accountability Relationship Management
- Acquiring NTB high value clients and to enhance from existing high value relationships to increase liability book of bank and increase revenue.
- Strong engagement with clients to understand and improve their banking services.
- Understand client’s requirement to increase the bank’s wallet share.
- Cross sell and upsell bank’s products and services to maximize revenue.
- Increased sales volumes/ market shares in target market.
- Response & Turnaround Times of Customer requests & processing business applications.
- Negotiate with internal clients and structure pricing of the GM and Cash products as per 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.
- Establish and maintain a working rapport with customers by providing expertise in identifying their financial needs and the deployment of bank’s products & Services to the fulfilment of these needs to enhance asset base.
- Provide customers with accurate and timely information on products and reveal the benefits affecting their businesses.
- Keep customers and prospects updated on new products & Services.
Risk Management
- Timely updating of KYC.
- Work closely with internal departments to cover Compliance Risk, operational risk and any credit risk exposure, where applicable.
- Prepare Credit Application (CA), analyze financial statements, and make it ready for approvals.
- Ensure CAs for new clients and also 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.
- Effective work processing and risk management.
- Assess the financial and business risks involved in lending to particular businesses, mainly by looking at the Company’s competitive position within its industry, its strategic direction, management quality and its financial profile wherever required.
- Perform analysis to credit worthiness and recommend appropriate credit limits.
- Pro actively manage the assigned portfolio risk by ensuring timely renewal of accounts within the applicable time standards, provided all required information is available.
- Compliance with bank related policies and procedures, and Business Banking standards in structuring & pricing of limits.
- Adhere and comply with bank’s internal applicable policies and procedures as well as governing regulations issued by concerned authorities.
- Cooperate and facilitate work of internal audit and risk management to address gaps, and respond to audit reports within agreed deadlines.
Profitability & Expense Control
- Ensure effective utilization of limits in order to maximize profitability.
- Regularly monitor MIS reports for FX and Trade revenues – EDW Dashboard.
- Continuously seek to increase revenue margins from customers.
Customer Service & Service Level
- Practice high quality customer service standards.
- Operations and process responsibilities.
- Contact customer service groups and processing units to ensure satisfactory service standards are met.
- Strick adherence to bank policies to avoid any potential fraud or against operational risks.
Qualifications
- Proven ability, with a successful record of accomplishment in driving a high performance culture across the team delivering customer and financial objectives.
- Sales Management and being a team player.
- Excellent Interpersonal skills, with a particular emphasis upon inspiring, influencing and negotiating in dealing with customers and colleagues.
- Ability to effectively plan and organize, with tenacity to drive through results.
- Strong business assessment skills, particularly with regards to more complex structures and facilities with an international dimension.
- Leadership, performance management and team development.
- Strong analytical ability.
- Visible and motivational leadership.
- Qualification to a University Degree.
- Enthusiasm for collective management and the need to drive behavioral change, with an absolute intolerance of mediocrity.
- Innovative with a flair of solving problems.
- Knowledge of general and business banking including the competitive landscape, with a detailed knowledge of competitor propositions.
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