Associate Relationship Manager, GulfTalent.com
Full time @ADIB Abu Dhabi Islamic Bank posted 4 days ago in Banking & Insurance Shortlist Email JobJob Detail
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Job ID 22003
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Career Level Others
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Experience 4 Years
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Industry Banking & Insurance
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Qualifications Certificate
Job Description
Role purpose
Support the division head and relationship managers in the overall maintenance of the assigned relationships within a division, including but not limited to preparation of credit approval packages, AC memos, Credit Round Table (CRT) discussion materials, credit file maintenance, supporting the lead RM on business growth and operational matters. Conduct thorough financial analysis and assess credit requests, including new requests, changed requests, refinancing, and annual due diligence reviews. Obtain and update the banking standards such as compliance clearance, documentation checklist, call reports, etc.
Key accountabilities of the role
Business proposition and credit analysis:
• Support division heads and RMs in the review and preparation of credit approval packages, AC memos, Credit Round Table (CRT) discussion materials, etc., and ensure the same are completed as per the bank’s requirements.
• Attend client calls and meetings in conjunction with the RM or division head in relation to the client’s banking requirements.
• Work closely with the product partners – CFIB, GTB, and Treasury on maximizing potential cross-sell opportunities within a relationship.
• Develop and prepare spreadsheets and perform financial analysis including basic financial modeling (if applicable) and qualitative analysis to support analysis of potential and existing credit applications.
• Verify the accuracy and quality of information (both qualitative and quantitative) provided by the client.
• Carry out initial market checking and monitor creditworthiness of obligors and counterparties including search for negative press articles and rating agencies.
• Liaise with Risk in relation to the credit approval packages such as responding to queries and comments from Risk Management.
• Prepare necessary security and other documents in liaison with Legal and Sharia departments.
• Liaise with CAD as and when required during preparation of CA packages and ensure all deferred documentations are tracked and obtained on time as well as updating all the banking standards such as compliance clearance, documentation checklist, call reports, etc. in a timely manner.
Relationship management:
• Achieve financial targets assigned in line with portfolio handled (e.g., total revenues, revenue from treasury products, revenue from cash management, RORC, etc.).
• Ensure regular interaction with clients to address any banking or financial needs and effectively increase ADIB’s share of wallet.
• Work closely with customer service unit to ensure that clients’ day-to-day transaction needs are addressed to the customers’ satisfaction.
Process implementation:
• Track review dates, and ensure all facilities are renewed or deferred on a timely basis.
• Ensure consistency, accuracy, quality, and integrity of all proposals and memos.
• Conduct client calls at least quarterly and ensure all call memos are appropriately documented capturing the contents of the meeting, business opportunities, credit financial plan, etc., and ensure these memos are routed via the requisite systems.
• Maintain and reconcile the credit files and identify discrepancies and variances.
• Ensure complete adherence to all KPIs (turnaround time, credit package quality, review dates, etc.).
• Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis.
Compliance:
• Ensure that activities are in full compliance with group policies and processes including Sharia requirements, Central Bank regulations, and other internal Legal and Compliance regulations at all times.
• Ensure satisfactory internal and external audit ratings.
Specialist skills / technical knowledge required for this role
• Strong analytical skills, including ability to perform data analysis, financial and credit analysis, presentation skills, etc.
• Knowledge of credit policy and procedures.
• Attended relevant credit training.
• Customer skills and ability to prioritize and manage multiple tasks.
• Customer orientation, communication, quality orientation, teamwork, adaptability, technical knowledge, influencing and negotiation skills, information gathering, and problem solving.
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