Senior Relationship Manager/Relationship Manager, Commercial Banking (Sharjah)

Role Overview

Business Development and Sales

• Acquire and develop new-to-bank commercial clients through targeted business development.
• Manage an assigned portfolio of upper-SME and mid-sized corporate clients across multiple sectors.
• Achieve targets across assets, liabilities, trade, foreign exchange, and fee-based income.
• Cross-sell working capital finance, term loans, trade services, treasury solutions, and digital channels.
• Monitor and optimize portfolio profitability.

Risk and Compliance

• Adhere to credit policies, KYC/AML guidelines, regulatory frameworks, and internal audit requirements.
• Conduct regular portfolio reviews to assess credit quality and identify early warning signals.
• Maintain a balanced risk-adjusted growth strategy.

Customer and Market Management

• Build relationships with new and existing clients through regular client visits.
• Provide tailored financial solutions and timely responses to credit proposals and operational requests.
• Coordinate with product, credit, and operations teams to support smooth service delivery.
• Address customer queries, concerns, and complaints in a timely manner.
• Monitor UAE market dynamics, industry trends, and competitor offerings.

Performance Management

• Set key performance indicators and ensure the team achieves business targets.
• Conduct account planning with product partners to increase cross-sell, upsell, and wallet share.
• Foster innovation, excellence, and customer-centricity within the liabilities team.

Qualifications and Experience

• Bachelor's degree in finance, business, or a related field.
• MBA, CFA, CA, or ACCA qualification is preferred.
• At least 10 years of corporate or commercial banking experience, including 5 years in UAE commercial or mid-corporate banking.
• Strong client acquisition, negotiation, analytical, communication, and relationship-building skills.
• Proficiency in MS Office and banking systems or digital channels.