Associate Relationship Manager (UAE National)

About the Role
We are seeking an ambitious professional to join the Global Network Banking UAE team as an Associate Relationship Manager (ARM). This role supports business growth and contributes 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 in client service, risk management, sales, and operational activities. This position may cover a specific area within the UAE or 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.
• Collaborate with Client Coverage Bankers to increase revenue from existing customers and develop opportunities with new-to-bank clients.
• Facilitate customer access to the company's global network by working 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 client contact program, ensuring that senior management and key client stakeholders are regularly engaged.
• 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 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 foster sustainable asset growth.
• Own customer engagement and consistently deliver 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 updated with sustainability developments and help identify, lead, and deliver solutions supporting customers throughout their transition journey.
• Identify potential problem relationships early and take appropriate action to protect the company's interests.
• Collaborate with colleagues across the company's network to ensure consistently high service standards and quality.
• Manage and resolve operational queries and exceptions promptly across the assigned portfolio, 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 collaborating with colleagues to maximize integration, effectiveness, and efficiency.
• Maintain a robust control environment supporting 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 and 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. Valid attestations and equivalency are also mandatory for degrees obtained outside the UAE.
• 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.

Work Environment and Culture
We support our staff to adopt flexible and alternative ways of working where possible, including working from home and different hours subject to approvals. We are committed to building a culture where all employees are valued, respected, and have their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Personal data related to employment applications will be managed in accordance with our Privacy Statement.