Relationship Manager- Real Estate Unit

Role Overview

Relationship Manager – Real Estate Unit at Mashreq, a leading financial institution in MENA.

Company Overview

Mashreq is a financial institution with more than half a century of history, operating as a challenger, startup, and innovator in banking and finance. The organization is powered by a diverse and dynamic team focused on putting customers first, pioneering key innovations and developments in banking and financial services. The mandate is to help customers Rise Every Day, partnering with them through highs and lows to help them reach their goals and unlock their unique vision of success. The institution delivers superior service to clients by leading with innovation, treating colleagues with dignity and fairness while pursuing opportunities that grow shareholder value, and actively contributes to the community through responsible banking.

Role Purpose

The Relationship Manager – Real Estate Unit supports the assessment, structuring, and ongoing management of real estate financing solutions in accordance with the Bank's credit policies and risk framework. The role requires sound understanding of the real estate sector, associated financing products, and key risks across the development lifecycle, with a focus on supporting risk-adjusted returns and maintaining healthy portfolio quality while expanding the Bank's presence in designated sectors and markets.

Key Responsibilities

Portfolio & Credit Management

• Support regular and timely review of the assigned portfolio and recommend appropriate credit facilities in accordance with the Bank's credit policies and risk appetite.
• Recommend credit facilities with the objective of supporting risk-adjusted returns and maintaining sound portfolio quality.
• Support the assessment and structuring of financing solutions in accordance with the Bank's credit policies and risk framework.

Relationship & Account Strategy

• Develop and implement relationship strategies and account plans for assigned clients.
• Incorporate appropriate client penetration and cross-selling initiatives to achieve agreed financial and non-financial KPIs.
• Develop and maintain effective relationships with key client contacts and decision-makers.
• Position the Bank as a trusted financial partner and preferred banking institution.
• Provide proactive relationship and account-management support to ensure timely and effective delivery of the Bank's products and services.

Portfolio Development

• Contribute to the development and maintenance of a healthy business pipeline.
• Focus on supporting new-to-bank opportunities and expanding the Bank's presence within designated sectors and geographical markets.

Stakeholder Coordination

• Coordinate closely with relevant internal stakeholders to maintain a high level of client satisfaction.
• Collaborate effectively with key internal stakeholders, including Treasury, Operations, Risk Management, Support Functions, and Retail Banking.
• Identify business opportunities, facilitate transaction execution, manage risks, and support the achievement of the Bank's strategic, financial, and non-financial objectives.
• Support the Bank's engagement with the wider business and banking community.
• Coordinate with external advisers, including legal counsel and professional service providers, on transaction execution, documentation, and related legal matters.

Compliance & Risk Management

• Ensure that all activities are conducted in accordance with applicable regulatory requirements, including Central Bank regulations.
• Comply with the Bank's internal credit, operational, and risk-management policies.
• Comply with relevant UAE and international legal frameworks, as applicable.

Qualifications & Experience

• Sound understanding of the real estate sector and its associated financing products.
• Relevant experience in supporting or managing real estate clients in Abu Dhabi.
• Good understanding of the key risks associated with real estate lending across the various stages of the development lifecycle.
• Familiarity with the relevant legal and regulatory environment, including escrow regulations, mortgage enforceability, and applicable real estate legislation (considered an advantage).

Skills & Competencies

• Assessment and structuring of financing solutions.
• Portfolio management and credit analysis.
• Relationship management and business development.
• Stakeholder coordination and cross-functional collaboration.
• Regulatory compliance and risk management knowledge.
• Knowledge of real estate sector dynamics and financing products.