وصف الوظيفة
Role Overview
Senior Relationship Manager, Real Estate at Mashreq, based in the UAE. This role manages and deepens complex, multi-product Group relationships while proactively originating new business opportunities across the Bank's product suite to achieve established financial and non-financial objectives.
Role Purpose
Manage and deepen complex, multi-product Group relationships while proactively originating new business opportunities across the Bank's product suite. Play an active and integral role in business origination efforts, working closely with clients and internal product teams to structure solutions and ensure effective execution of mandated transactions. Drive optimal utilization of approved credit facilities by facilitating transaction flow and addressing all operational, documentation, and execution-related requirements.
Key Responsibilities
Portfolio & Credit Management
- Conduct regular and timely reviews of assigned portfolio, recommending appropriate credit facilities in line with the Bank's credit policies and risk appetite.
- Maximize risk-adjusted returns while maintaining sound portfolio quality and effective credit management standards.
- Undertake comprehensive credit risk assessments, risk rating evaluations, and facility structuring for assigned corporate relationships in collaboration with Credit Relationship Managers (CRMs).
- Maintain a thorough understanding of the Bank's policies, procedures, systems, and operational frameworks to ensure effective relationship and portfolio management.
Relationship Strategy & Business Development
- Develop and implement a tailored Relationship Strategy and Account Plan for each client, incorporating appropriate penetration and cross-selling initiatives to achieve agreed financial and non-financial KPIs.
- Build and maintain strong relationships with key decision-makers across the client base, positioning the Bank as a trusted financial partner and preferred banking institution.
- Maintain a robust business pipeline with a particular focus on originating new-to-bank opportunities and expanding market share within designated sectors and geographical markets.
Account & Client Management
- Undertake proactive, hands-on relationship and account management to ensure the timely and effective delivery of the Bank's products and services.
- Coordinate closely with internal stakeholders to achieve high levels of client satisfaction and franchise value.
- Prepare credit proposals and engage with clients on credit-related matters.
Risk, Compliance & Governance
- Close liaison with Wholesale Risk Management (WRM) and Compliance teams to address and resolve all risk, regulatory, and compliance-related matters.
- Ensure all activities are conducted in compliance with applicable regulatory requirements, including Central Bank regulations, the Bank's internal credit, operational and risk management policies, and relevant UAE and international legal frameworks.
- Demonstrate sound judgment and the ability to identify, assess, and mitigate risks beyond readily apparent factors.
Stakeholder Engagement & Representation
- Represent the Bank within the broader business and banking community and engage with external advisors, including legal counsel and professional service providers, on matters relating to transaction execution, documentation, and legal considerations.
- Collaborate effectively with key internal stakeholders, including Treasury, Operations, Risk Management, Support Functions, and Retail Banking, to maximize business opportunities, ensure effective risk management, and achieve the Bank's strategic, financial, and non-financial objectives.
Market & Economic Analysis
- Demonstrate a strong understanding of macroeconomic developments, industry dynamics, and regional and global financial market trends, and assess their potential impact on client portfolios and credit quality.
Skills & Competencies
- Credit analysis and business development capabilities.
- Relationship management expertise.
- Sound judgment and ability to identify, assess, and mitigate risks.
- Strong understanding of UAE Central Bank regulations, the Bank's internal credit and risk management frameworks, and relevant legal and compliance obligations.
- Ability to engage effectively with clients, industry participants, legal counsel, consultants, and professional advisors.
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