Associate Relationship Manager

Role Overview

Associate Relationship Manager at ADIB, Abu Dhabi.

Role Purpose

Support the Division Head and Relationship Managers in maintaining assigned client relationships, including preparation of credit approval packages, AC memos, and Credit Round Table discussion materials. Conduct financial analysis, assess credit requests, and ensure credit file maintenance while supporting business growth and operational activities.

Key Responsibilities

Business Proposition and Credit Analysis

• Support Division Heads and RMs in review and preparation of credit approval packages, AC memos, and Credit Round Table discussion materials, ensuring completion per bank requirements.
• Attend client calls and meetings with the RM or Division Head to discuss the client's banking requirements.
• Work closely with product partners in CFIB, GTB, and Treasury to maximize cross-sell opportunities within relationships.
• Develop and prepare spreadsheets and perform financial analysis including basic financial modeling and qualitative analysis to support review of potential and existing credit applications.
• Verify accuracy and quality of information, both qualitative and quantitative, provided by the client.
• Conduct initial market checking and monitor credit worthiness of obligors and counterparties, including search for negative press articles and rating agency information.
• Liaise with Risk in relation to credit approval packages, responding to queries and comments from Risk Management.
• Prepare necessary security and other documents in liaison with Legal and Sharia departments.
• Liaise with CAD during preparation of CA packages, ensuring all deferred documentations are tracked and obtained on time.
• Update banking standards including compliance clearance, documentation checklist, and call reports in a timely manner.

Relationship Management

• Achieve financial targets assigned in line with portfolio handled, including total revenues, revenue from treasury products, revenue from cash management, and RORC.
• Ensure regular interaction with clients to address banking and financial needs and effectively increase ADIB's share of wallet.
• Work closely with the customer service unit to ensure clients' day-to-day transaction needs are addressed to customer satisfaction.

Process Implementation

• Track review dates and ensure all facilities are renewed or deferred on a timely basis.
• Ensure consistency, accuracy, quality, and integrity of all proposals and memos.
• Conduct client calls at least quarterly and ensure all call memos are appropriately documented, capturing meeting contents, business opportunities, and credit financial plans.
• Route call memos via requisite systems.
• Maintain and reconcile credit files and identify discrepancies and variances.
• Ensure complete adherence to all KPIs including Turnaround Time, Credit package quality, and Review dates.
• Record and update all new deals in discussion in the deals pipeline report on a weekly basis.

Compliance

• Ensure activities are in full compliance with group policies and processes, including Sharia requirements, Central Bank regulations, and internal Legal and Compliance regulations.
• Ensure satisfactory internal and external audit ratings.

Qualifications & Experience

• Knowledge of Credit Policy and Procedures.
• Attendance at relevant credit training.

Skills & Competencies

• Strong analytical skills including data analysis, financial analysis, and credit analysis.
• Presentation skills.
• Customer skills and ability to prioritize and manage multiple tasks.
• Customer orientation.
• Communication skills.
• Quality orientation.
• Teamwork.
• Adaptability.
• Technical knowledge.
• Influencing and negotiation skills.
• Information gathering.
• Problem solving.