Relationship Manager

First Abu Dhabi Bank

قطاع: Banking & Financial Services

📍 أبوظبي، الإمارات

💼 دوام كامل

🕒 نُشرت قبل 3 أسابيع

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وصف الوظيفة

Role Overview

Relationship Manager at First Abu Dhabi Bank. The jobholder will drive the economic health of the UAE and Dubai market by supporting SME business growth, acquiring high-value clients, and managing key account relationships while ensuring alignment with FAB risk and compliance practices.

Company Overview

First Abu Dhabi Bank (FAB) is a major financial institution serving the UAE market. SMEs play a significant role in driving the economic health of the UAE and specifically the Dubai market and represent the majority of business in the economy. As the world becomes more connected, SMEs will increasingly become international, and FAB is positioned to meet their needs by strengthening support for domestic SME business.

Role Purpose

To acquire and enhance high-value client relationships, drive revenue growth through cross-selling bank products and services, and manage assigned portfolio risk while maintaining compliance with FAB policies and regulatory requirements. The role balances business development, risk management, and customer service to maximize profitability and market share within the SME segment.

Key Responsibilities

Relationship Management

Acquire new-to-bank (NTB) high-value clients and enhance existing high-value relationships to increase the liability book and revenue.
Establish and maintain working rapport with customers by providing expertise in identifying their financial needs and deploying bank products and services to enhance the asset base.
Drive strong engagement with clients to understand and improve their banking services.
Understand client requirements to increase the bank's wallet share.
Cross-sell and upsell bank products and services to maximize revenue.
Increase sales volumes and market share in target markets.
Provide customers with accurate and timely information on products and reveal benefits affecting their businesses.
Keep customers and prospects updated on new products and services.
Actively source business from prospects and follow up on sales leads within designated market segments.
Plan timely visits to clients to introduce GTB and GM partners.
Identify and forward sales leads to other areas of the bank for cross-selling.
Coordinate with product managers and specialists on promoting bank products.
Negotiate with internal clients and structure pricing of GM and Cash products according to customer needs.
Establish an efficient customer-focused approach representing a strong competitive edge.
Increase share of high-end market and quality business within assigned segment.
Manage response and turnaround times of customer requests and processing of business applications.

Risk Management

Update Know Your Customer (KYC) information on a timely basis.
Work closely with internal departments to address Compliance Risk, operational risk, and credit risk exposure where applicable.
Prepare Credit Applications (CA), analyze financial statements, and prepare them for approvals.
Ensure Credit Applications for new clients and renewals for existing clients are correctly prepared in accordance with bank policies and the regulatory framework.
Recognize early warning signals of unsatisfactory account conduct and pursue collection of past due loans.
Assess the financial and business risks involved in lending to particular businesses by examining the company's competitive position within its industry, strategic direction, management quality, and financial profile.
Perform analysis of credit worthiness and recommend appropriate credit limits.
Proactively manage assigned portfolio risk by ensuring timely renewal of accounts within applicable time standards, provided all required information is available.
Ensure compliance with bank-related policies and procedures and Business Banking standards in structuring and pricing of limits.
Adhere to and comply with the bank's internal applicable policies and procedures as well as governing regulations issued by concerned authorities.
Cooperate and facilitate work of internal audit and risk management to address gaps and respond to audit reports within agreed deadlines.
Monitor money laundering activities and coordinate remedial actions with management.

Profitability and Expense Control

Ensure effective utilization of limits to maximize profitability.
Regularly monitor MIS reports for FX and Trade revenues via the EDW Dashboard.
Continuously seek to increase revenue margins from customers.

Customer Service and Service Level

Practice high-quality customer service standards.
Contact customer service groups and processing units to ensure satisfactory service standards are met.
Maintain strict adherence to bank policies to avoid potential fraud or operational risks.

Professional Development

Prepare a self-development plan, agree it with the Line Manager, and work progressively towards achieving it.
Seek best practices from peers and colleagues.
Attend training sessions as planned by management.

Qualifications & Experience

Essential

University degree qualification.
Proven ability with a successful record of accomplishment in driving a high-performance culture across the team delivering customer and financial objectives.
Sales management experience and demonstrated team player capability.

Preferred

Postgraduate qualification in Business Management or Business Administration.
Strong knowledge of SME proposition.
Knowledge of general and business banking including the competitive landscape and detailed knowledge of competitor propositions.
Proven ability in identifying and meeting customer needs through a broad range of products and services.

Skills & Competencies