Asst Relationship Mgr - Trade & Working Capital.Injaz - RBG - TWC Partially Secured.Retail Banking Group

Role Overview

Assistant Relationship Manager – Trade & Working Capital at Mashreq, Retail Banking Group. This is a client-facing role with independent portfolio ownership and credit execution responsibilities.

Role Purpose

Independently manage and drive assigned Trade & Working Capital client portfolios with strong ownership across credit, portfolio monitoring, and client servicing. Balance risk management with revenue delivery through cross-sell and active contribution to revenue generation.

Key Responsibilities

Client Engagement & Relationship Management

• Actively engage with clients to understand business needs and support banking solutions.
• Manage client queries, service delivery, and escalations with ownership.
• Build and maintain strong client relationships to enhance wallet share and service quality.

Revenue Generation & Utilization

• Drive revenue through cross-sell of trade, working capital, liability, and allied products.
• Identify and execute business opportunities within the assigned portfolio.
• Drive and optimize utilization of approved credit limits across the portfolio, aligning with client needs and maximizing revenue contribution.

Portfolio Management & Monitoring

• Independently manage and monitor assigned borrowing portfolio including parameterized and select discretionary exposures.
• Ensure end-to-end portfolio hygiene including covenants, documentation, deferrals, audit observations, and timely regularization.
• Track portfolio performance and proactively identify and flag risks or irregularities.

Credit & Risk Management

• Independently undertake financial spreading and detailed analysis of financial statements.
• Prepare high-quality, comprehensive credit proposals with strong focus on risk identification and mitigants.
• Own end-to-end quality and submission of credit proposals and engage with Credit for closure of queries.

Operational & Process Excellence

• Ensure timely turnaround of credit and service-related deliverables.
• Coordinate effectively with internal stakeholders to ensure seamless execution.
• Contribute to process improvements and efficiency enhancement initiatives.

Qualifications & Experience

• 3–5 years in banking or financial services.
• MBA or CA preferred.

Skills & Competencies

• Strong proficiency in credit analysis, financial assessment, and risk evaluation.
• Extensive experience in high-quality credit proposal writing.
• Ability to independently manage and monitor borrowing portfolios.
• Strong analytical, communication, and stakeholder management skills.

Additional Information

Portfolio & Coverage

• Portfolio size: Primarily Trade & Working Capital clients.
• Client base: Typically 40–50 clients across the portfolio.
• RM coverage: Supports at least 2 Relationship Managers.
• Client complexity: Mix of parameterized and discretionary lending structures.

Performance Expectations

• Quality and turnaround time of credit proposals.
• Portfolio quality including overdue control, covenant compliance, timely reviews, and audit observations closure.
• Utilization levels of approved limits in line with portfolio and revenue targets.
• Revenue contribution through cross-sell and portfolio activation.
• Client service quality, responsiveness, and issue resolution turnaround time.
• Maintain portfolio hygiene within defined thresholds, including zero overdue reviews, no audit exceptions, and timely covenant tracking.
• Compliance with credit policies, risk standards, and control requirements.