Assistant Relationship Manager-BBD-1 (Outsource)

Role Overview

Assistant Relationship Manager–BBD–1 (Outsource) at ADIB, based in UAE.

Role Purpose

Support Relationship Managers in delivering service to Business Banking clients, preparing credit applications, managing disbursements, and maintaining compliance with bank policies and regulatory requirements.

Key Responsibilities

Client Service & Support

• Support Relationship Managers in all service delivery activities.
• Attend to after-sales services, client needs, and requirements.
• Educate business banking clients about products and services including IVR, Online banking, Call Center, and Cash management services.
• Maintain high standard service with customers and ensure no complaints.
• Respond to customer calls with appropriate greetings.
• Provide high-level customer service and special attention to BBD clients in Business Centers.

Credit Applications & Documentation

• Prepare credit applications by analyzing financial statements and readying them for approval.
• Ensure credit applications for new clients and renewals for existing clients are correctly prepared in accordance with bank policies and regulatory framework.
• Ensure all documentation for credit proposals is complete with sufficient covered collaterals.

Financial Management & Disbursements

• Initiate and ensure disbursements and adjustments of finances.
• Ensure that approved credit lines are valid and available for clients.

Compliance & Risk Management

• Verify and inspect hypothecated or pledged inventory, mortgage fixed assets, and other collateral to ensure minimum credit risk.
• Strictly adhere to the Bank's financing policy manual and report any exceptions.
• Maintain awareness of UAE central bank and GCD requirements.

Operations & Coordination

• Prepare call reports to high standards that are informative, presentable, conclusive, professional, and comprehensive.
• Liaise with various internal departments including credit, risk, legal, operations, and Trade Finance for smooth and quick turnaround of transactions.
• Contact customers on a day-to-day basis as required to complete assigned work to their satisfaction.
• Contribute to generating required revenue and support Relationship Managers in achieving revenue targets.
• Increase acquisition of New-to-Bank clients.
• Perform other tasks specified by Management.

Qualifications & Experience

• Minimum 3 years in Customer Service.

Skills & Competencies

• Product knowledge.
• Communication and computer skills.
• Customer service orientation.
• Cross-selling skills.
• Problem solving.