Relationship Manager (SME/Corporate)

Role Purpose

Job Objective

Key Responsibilities

• Drive the growth of the SME/Corporate banking business portfolio to achieve targets for portfolio expansion, income, and quality.
• Actively participate in Mbank marketing campaigns and business development events, including attending exhibitions, trade shows, and community events to man Mbank booths or kiosks, promote SME/Corporate products, and source potential clients.
• Ability to analyse SME/Corporate clients’ financial statements, assess cash flows, repayment capacity, and key credit risk indicators in line with the bank’s credit policies and regulatory requirements.
• Proven ability to independently prepare well-structured credit memos and proposals for new and existing SME/Corporate clients, presenting findings and recommendations to credit risk committees and senior management.
• Proactively identify and pursue qualified sales opportunities, delivering value-added, needs-based solutions to SMEs/Corporates.
• Ensure all documentation and applications comply with local and regulatory anti-money laundering and KYC requirements.
• Evaluate the eligibility of companies for SME/Corporate products by analyzing their financial statements, business plans, and creditworthiness.
• Assist in executing the sales strategy and develop a lead generation plan to enhance market presence and drive SME/Corporates banking product growth.
• Promote the bank’s product offerings to SMEs and Corporates, including Business Loans, Business Debit Card, Cheque/Invoice Discounting, POS (Point of Sale) Loan, Letters of Guarantee (LGs), Letters of Credit (LC), and Trade Finance Solutions.
• Cultivate and maintain strong relationships with key clients, understanding their needs and offering customized solutions.
• Guide, support, and inspire a team of Business Relationship Officers to meet and exceed their targets, if any.
• Assess team performance, providing regular feedback and coaching to drive continuous improvement.
• Ensure all team activities adhere to local labor laws and banking regulations.
• Stay abreast of market trends and competitor activities to provide strategic insights and recommendations.
• Compile and present detailed reports on team performance, sales activities, customer feedback, and market conditions.

Experience & Knowledge

• Bachelor’s degree in business administration, Finance, or a related field.
• Minimum 4-8 years of experience in business development, sales, or relationship management within the banking or financial services industry in the UAE.
• Strong understanding of SME banking products and services.

Competencies & Skills

• Strong commercial and self-generating, new to bank, acquisition orientation with a customer centric approach
• Good knowledge of business credit underwriting and portfolio management.
• Ability to work independently and lead a team.
• Proficiency in using digital banking platforms and CRM software.
• Knowledge of UAE labor laws and banking regulations is a plus.
• Fluency in English and Arabic is highly desired.