Relationship Manager UAE National Only.CIBG - Dubai - S&M - Services.41.Corporate & Investment Banking Group

Role Overview

Relationship Manager with the Corporate & Investment Banking Group (CIBG) at Mashreq, Dubai. UAE National only.

Role Purpose

Support Unit Managers in managing complex multi-product Group relationships with turnover exceeding AED 3 billion and source new relationships across defined segments and geographies. Originate transactions across the Bank's product suite, facilitate deal execution, and coordinate between clients and internal teams to meet financial and non-financial goals.

Key Responsibilities

Portfolio & Credit Management

• Review existing portfolio in a timely manner and prepare credit facility recommendations aligned with Bank credit policy to maximize earnings while containing risk to acceptable levels.
• Deliver quick and timely turnaround of Credit Proposals while maintaining quality of analysis.
• Achieve satisfactory rating on portfolio quality and credit management processes.
• Work with Credit Relationship Managers on financial analysis, credit risk assessment, risk rating, and structuring facilities.
• Prepare Credit Proposals for new facilities, renewals, and amendments.
• Maximize use of approved credit limits by facilitating transactions and addressing operational or documentation requirements.
• Liaise with Wealth Relationship Management (WRM) and Compliance to resolve queries.

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.
• Engage proactively across the bank to attain desired levels of customer satisfaction.
• Maintain in-depth understanding of multiple product areas with capability to constructively engage with client senior management to drive new business opportunities.

Deal Origination & Pipeline Management

• Assist in deal origination and coordinate between clients and product teams during mandate execution.
• Maintain an active pipeline focusing on new-to-bank transactions and business.
• Source new relationships across defined segments and geographies.
• Originate transactions across the Bank's product suite.

Monitoring & Compliance

• Monitor account conduct of borrowers and provide information at each review to ensure effective portfolio management and maintain portfolio quality.
• Highlight early warning signals during account reviews.
• Remain vigilant to the possibility of any money laundering activities in accounts.
• Escalate all suspected money laundering cases to the Unit Manager and Group Money Laundering Reporting Officer (MLRO).

Strategic Support

• Provide backup to the Unit Manager in executing Relationship Strategy and Account Plans.
• Participate in client meetings related to credit analysis and facility structuring.

Qualifications & Experience

• Minimum 5–10 years of relevant experience in banking, corporate relationships, or related financial services.

Skills & Competencies

• In-depth understanding of multiple product areas of the bank.
• In-depth knowledge of the Bank's policies and operating systems.
• Strong credit analysis and marketing skills.
• Understanding of economic trends and regional and global financial markets.
• Strong interpersonal and communication ability.
• Capability to constructively engage with client senior management.

Additional Information

• UAE National only.