Relationship Manager, Services & Manufacturing (UAE National Only)

Role Overview

Relationship Manager, Services & Manufacturing at Mashreq, based in the UAE. This position is open to UAE Nationals only.

Company Overview

Mashreq is the leading financial institution in MENA. With more than half a century of history, the organization thinks like a challenger, startup, and innovator in banking and finance, powered by a diverse and dynamic team focused on putting customers first. The mandate is to help customers Rise Every Day, partnering with them through challenges to help them reach their goals and unlock their unique vision of success.

Role Purpose

To manage and enhance the existing commercial asset portfolio, solicit acceptable new relationships, and support Unit Managers in maintaining complex multi-product Group relationships to meet pre-set financial and non-financial objectives.

Key Responsibilities

Portfolio Management

• Review existing portfolio in a timely manner and recommend appropriate credit facilities in line with the bank's credit policy to maximize earnings while containing risk to an acceptable level.
• Achieve a satisfactory rating on asset portfolio quality and credit management processes through regular portfolio review cycles.
• Monitor account conduct of borrowers and provide information at each review to ensure effective portfolio management and early identification of warning signals.
• Obtain audited financial statements, analyze them, and recommend credit proposals of potential borrowers to the approving authority to meet financial objectives.

Client Relationship Management

• Develop strong working relations with all existing clients at the decision-making level to position Mashreq as their preferred bank.
• Conduct hands-on account management to ensure effective and timely delivery of the bank's services and products to clients through proactive interaction across the bank.
• Meet customers, prepare Credit Proposals (new, renewals, amendments), and liaise with WRM and Compliance to resolve related queries.
• Understand the strategic orientation of key relationships and provide backup to the Unit Manager in executing Relationship Strategy and Account Plans.
• Attain desired level of customer satisfaction through proactive client engagement.

Credit Analysis & Structuring

• Work with Credit Relationship Managers on financial analysis, credit risk assessment, risk rating, and facility structuring for assigned corporate relationships.
• Prepare credit proposals with quick and timely turnaround while maintaining quality of analysis.
• Support deal origination and coordinate between clients and product teams during mandate execution.

Business Development

• Maintain an active pipeline focusing on 'new to bank' transactions and business.
• Support Unit Managers in soliciting new relationships within defined market segments and geographies by originating transactions across the bank's product suite.
• Maximize utilization of approved credit limits by facilitating transactions and addressing operations or documentation requirements.

Documentation & Controls

• Implement and maintain complete control aspects including documentation, periodical client visits, call reports, stock inspections, and formal credit checks and informal market feedback to monitor the assigned portfolio effectively.
• Liaise with Compliance to resolve related documentation queries.

Risk & Compliance

• Remain vigilant to the possibility of any money laundering activities in accounts and escalate all suspected money laundering cases to the Unit Manager and Group Money Laundering Reporting Officer (MLRO).

Team Development

• Develop on-the-job learning curve of RO/SRO to enable them to grow professionally and prepare them for higher levels of responsibility.

Qualifications & Experience

• Minimum 5–10 years of relevant experience in corporate banking, credit management, or relationship management.
• Complete knowledge and clear understanding of the bank's credit policy and operating systems.
• MBA is preferred.

Skills & Competencies

• Strong credit knowledge and marketing skills.
• In-depth understanding of multiple product areas of the bank with capability to constructively engage with client senior management to drive new business opportunities.
• Strong understanding of economic trends and regional/global financial markets.
• Thorough awareness of various financial products and services.
• Excellent interpersonal and communication skills with ability to perform as a team player.
• Strong analytical skills.

Additional Information

• UAE National candidates only.
• Support Unit Managers in maintaining complex, multi-product Group relationships with Group Turnover greater than AED 3 billion.