Assistant Relationship Manager - Assets (UAE Nationals)

Role Overview

Assistant Relationship Manager - Assets at Emirates Islamic Bank, based in the UAE. This role is designated for UAE Nationals.

Role Purpose

Support Business Banking Relationship Managers in managing a growing SME portfolio by preparing credit proposals, conducting financial and risk analysis, and coordinating the end-to-end credit approval and documentation process. Improve turnaround time, strengthen portfolio quality, and ensure customers receive timely support across Business Banking products and services.

Key Responsibilities

Credit Analysis & Proposals

• Prepare full credit proposals, including business risk analysis, financial analysis, economic and industry risk assessment, and clear identification of strengths and weaknesses in proposed facility packages.
• Conduct comprehensive financial statement analysis and recommend corrective actions where required.
• Prepare regular analysis reports on the financial performance of designated corporate entities and recommend appropriate credit decisions.
• Identify risks in credit proposals and prepare professional reports, memos, and spreadsheets.

Documentation & Approvals

• Follow up with clients and Credit Administration to complete security and lending documentation until facilities are booked, including fulfilment of required documents, collaterals, and conditions precedent.
• Coordinate with the Risk Department on credit approvals and resolve related queries.
• Support presentations to the Lending Approval Committee.

Portfolio Management

• Manage renewals and enhancements for existing customers by obtaining required documents in advance and submitting credit proposals before limit expiry.

Stakeholder Coordination

• Act as an intermediary between customers and internal departments, including Treasury, Trade Finance, Legal, and Credit teams, to resolve operational queries and support timely customer solutions.

Qualifications & Experience

• Bachelor's degree in Business, Finance, or a related field is essential.
• Postgraduate qualification with a financial specialisation is desirable.
• Five to seven or more years of banking, SME, corporate banking, or credit analysis experience, including a minimum of two years in a credit support or credit analysis function.
• Relevant certification in banking operations or credit administration is preferred.

Skills & Competencies

• Strong knowledge of banking products, services, credit systems, Business Banking facilities, and relevant compliance and operational risk policies.
• Ability to conduct financial analysis and understand market and industry trends.
• Proficiency in preparing professional credit proposals, reports, memos, and spreadsheets.
• Ongoing professional development in regulatory compliance or digital banking.

Additional Information

Emirates NBD is committed to welcoming the young generation into an innovative, modern and supportive work environment to contribute to the nation's success, in line with the UAE Government's strategy in empowering and developing nationals.