Associate Relationship Manager (UAE National)

About the Role
We’re looking for an ambitious professional to join the Global Network Banking UAE team as an Associate Relationship Manager (ARM). This role will support business growth and contribute to achieving divisional targets while managing relationships with internal and external stakeholders, including Sales, Product Development, Risk and Compliance teams. The ARM will work closely with the UAE Client Coverage team to deliver high standards across client service, risk management, sales, and operational activities. This role may cover a specific area within the UAE or span multiple countries, focusing on managing the pipeline, driving sales activity, and delivering an excellent customer experience.

Duties & Responsibilities:

• Manage the end-to-end credit application process, including preparing credit proposals based on detailed analysis of financial statements, research, market intelligence, and other relevant data.
• Support UAE Global Network Banking Client Coverage Bankers with Customer Due Diligence (CDD) activities across the assigned portfolio.
• Work closely with Client Coverage Bankers to increase revenue from existing customers and develop opportunities with new-to-bank clients.
• Help customers access the company's global network by collaborating with other CMB locations and product teams, including GTS, MSS, and GPS.
• Structure appropriate credit facilities that meet customer requirements while remaining aligned with the company’s risk appetite.
• Maintain a proactive and effective client contact programme, ensuring that senior management and key client stakeholders are engaged regularly.
• Use the company’s tools and systems effectively to support high-quality service delivery and sales activity.
• Stay informed about external factors affecting international business, including economic, cultural, geographical, procedural, and regulatory developments.
• Work with the Banker to develop relationship strategies, anticipate customer needs, and deliver a superior service that strengthens the company's market position.
• Support the accurate and timely maintenance of customer information and KYC requirements in Group systems.
• Build effective relationships with Risk Management teams to validate customer risk profiles and support sustainable asset growth.
• Own customer engagement and consistently deliver a high-quality service in line with the company's professional standards.
• Maintain strong controls to ensure credit and other risks are appropriately mitigated, with timely action taken to minimize potential losses.
• Stay up to date with sustainability developments and help identify, lead, and deliver solutions that support customers throughout their transition journey.
• Identify potential problem relationships at an early stage and take appropriate action to protect the company's interests.
• Collaborate with colleagues across the company's network to deliver consistently high standards of service and quality.
• Manage and resolve operational queries and exceptions across the assigned portfolio in a timely manner, including payments, transactions, inward cheque clearing, and activity-monitoring alerts.
• Ensure timely and accurate responses to stakeholder queries, management information requests, reports, and standard or ad hoc returns.
• Manage the processes required to deliver agreed team plans and targets, identifying improvements and working with colleagues to maximize end-to-end integration, effectiveness, and efficiency.
• Maintain a robust control environment that supports sound operational, financial, and project management, as well as compliance with the company's policies and procedures. Identify, resolve or escalate issues promptly.
• Support Bankers in maintaining management information, analysis, and reporting to enable timely, effective business management and informed decision-making across the portfolio.

Experience & Qualifications:

• A full-time graduation degree of at least three years is essential for obtaining a UAE visa and work permit. For degrees obtained outside the UAE, valid attestations and equivalency are also mandatory.
• Demonstrated experience and a strong track record in risk management, operations, regulatory matters, credit analysis, and judgement-based lending.
• Strong spoken and written English communication skills.
• In-depth knowledge of the Commercial Banking market, both globally and within the local market, including the competitive landscape and competitor propositions.
• Well-developed analytical skills, with a strong focus on credit and operational risk.
• Proven ability to lead visibly, motivate others and influence stakeholders.
• Excellent interpersonal and relationship management skills, with the ability to inspire, influence and negotiate effectively with customers and colleagues.
• Strong planning and organizational capabilities, combined with the resilience and determination to deliver results.
• Innovative and solutions-focused, with a practical approach to problem-solving.

Benefits and Working Conditions:

• Flexible and alternative ways of working where possible, including working from home and different hours subject to approvals.
• Commitment to building a culture where all employees are valued, respected, and their opinions count.
• Continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment.