Relationship Manager Corporate Banking (Dubai Based) – UAE National

Role Overview

Relationship Manager Corporate Banking (Dubai Based) – UAE National at Emirates Islamic Bank. This role is based in Dubai and requires UAE National status.

Role Purpose

Develop and maintain large to medium customer relationships by providing tailored solutions based on thorough analysis of customer needs. The role holder identifies opportunities in allocated segments, mobilizes cross-sell efforts, and strengthens relationships with new and existing customers to drive revenue growth and enhance portfolio health.

Key Responsibilities

Relationship & Revenue Development

• Regularly review the market to identify opportunities in allocated segments and develop proposals for approval.
• Prepare and gain approval for proposals that meet policies and customer needs.
• Take personal responsibility for the establishment and maintenance of key relationships to leverage business achievement.
• Develop and execute account plans that align client needs with the bank's product suite, ensuring sustainable revenue streams.
• Identify cross-sell and up-sell opportunities by analysing client portfolios and market trends, translating insights into actionable proposals.
• Maintain regular dialogue with key decision-makers in client organisations to anticipate business changes and pre-empt attrition risks.
• Collaborate with product, credit, and operations teams to deliver seamless end-to-end solutions tailored to complex corporate requirements.

Credit Risk & Portfolio Management

• Evaluate and structure credit proposals, ensuring alignment with the bank's risk appetite and regulatory standards.
• Monitor credit risk quality and portfolio health across assigned client base.
• Monitor portfolio exposures for early warning signals, escalating emerging risks to credit and risk management functions as appropriate.
• Conduct regular credit reviews and covenant monitoring to maintain portfolio integrity and minimise non-performing assets.
• Champion prudent risk-taking by embedding credit discipline and fostering a culture of robust due diligence within the team.

Compliance & Client Onboarding

• Oversee end-to-end onboarding processes, ensuring all documentation and due diligence meet regulatory and internal standards.
• Guide clients through KYC and AML requirements, clarifying complex regulatory obligations and supporting timely completion.
• Coordinate with compliance and operations teams to resolve documentation gaps and mitigate onboarding delays.
• Continuously update client records in core banking systems to reflect changes in ownership, structure, or risk profile.
• Provide professional and expert advice on products and services to customers and business leads to other units to ensure business opportunities are realised.
• Maintain 100% adherence to policies and procedures with no adverse comments from Audit/QA; achieve satisfactory rating.

Service Delivery & Operations

• Act as escalation point for complex client service issues, ensuring swift resolution and minimal business disruption.
• Review and refine internal processes in collaboration with support teams to enhance service quality and operational efficiency.
• Monitor transaction flows and service requests to identify process bottlenecks, driving continuous improvement initiatives.
• Provide guidance and oversight to junior team members, ensuring adherence to service standards and regulatory protocols.

Qualifications & Experience

• Bachelor's degree in Business Administration, Finance, Banking, or a related major field of study.
• Minimum of 5 years of relevant experience in Corporate customer relationship management or institutional banking.
• Exposure to credit analysis, KYC/AML, and banking platforms such as Finacle or Temenos.
• Good understanding of the market, market trends, competitive environment, and the local regulatory environment.
• Professional certification in Corporate Banking (e.g., CB, ACIB, or equivalent) preferred.
• Ongoing CPD in regulatory compliance, risk management, or digital banking.

Skills & Competencies

• Strong interpersonal skills to build and maintain quality relationships.
• Credit analysis capability.
• Proficiency with core banking systems and platforms.
• Regulatory and compliance knowledge, particularly KYC/AML.
• Portfolio analysis and risk assessment.
• Sales and account management expertise.

Additional Information

• UAE National status required.