About the Role
This role involves growing and managing large and sensitive client relationships within an assigned portfolio while increasing the clientele base by originating and booking quality new-to-bank (NTB) clients in line with the company's defined risk frameworks. The position focuses on improving service quality levels and supervising day-to-day activities and client interactions of subordinates to ensure that the team's objectives and revenue targets are consistently met while maintaining client satisfaction and portfolio credit quality.
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Key Responsibilities
Client and Market Analysis
- Conduct financial analysis on clients and their respective geographies, industries, and markets to identify potential opportunities and risks.
- Maintain up-to-date industry insights and market intelligence to early identify business opportunities.
Business Origination
- Originate new business opportunities with target clients across banking products in line with relevant policies.
- Obtain support from relevant stakeholders and governance forums to close deals (e.g., credit, products, GTx).
- Develop Term Sheets, Information Memoranda, Mandate Letters, etc.
- Examine and resolve credit, market, and operational risk aspects of transactions in collaboration with products and enablement units.
- Leverage network expansion through cross-border deals.
- Anchor strategic alliances with UAE’s top developers and authorities.
- Expand product penetration through sector-focused solutions.
- Ensure high returns with satisfactory yields.
- Maintain the credit quality of client relationships within the portfolio to an acceptable level set by management.
- Pitch, review, negotiate, and conclude deals.
- Develop and maintain strong relationships with key decision-makers in other banks to originate business opportunities, ensuring that the company leads joint deals.
- Stay updated with the latest market, competitors, regulatory, and industry changes and amend account plans as applicable.
- Handle sophisticated transactions and engage assigned team members.
- Recommend policy amendments as required to align with the latest business and industry trends.
- Analyze monthly income generation metrics to identify any income leakage or losses.
Client Relationship Management
- Achieve assigned financial and non-financial objectives by meeting all borrowing and non-borrowing needs of customers in target segments (e.g., borrowers, transactors, depositors).
- Prepare and maintain account plans for all clients with support from relevant partners.
- Support the conduct of annual/periodic credit facility reviews in the existing portfolio and recommend appropriate credit facilities in line with the company's credit policy.
- Implement and maintain controls including documentation, client visits, call reports, stock inspections, and credit checks to monitor the assigned portfolio effectively.
- Organize client meetings with relevant partners/senior members to deepen relationships within the portfolio.
- Identify and develop cross-selling opportunities and increase cross-sell ratios and returns.
- Support clients with day-day banking requirements with assistance from the team.
- Ensure high customer satisfaction to meet targeted NPS scores.
- Manage a disciplined marketing process and identify necessary steps and strategies to initiate relationships with prospects.
- Onboard new clients as per assigned targets.
Collaboration
- Align with the Contracting team and Oil and Gas Contractors to identify and convert opportunities.
- Collaborate with other business divisions to drive cross-business unit (BU) collaboration and develop proposition strategies, competition analysis, and service delivery models.
- Support international banking initiatives to assist clients in bank network locations.
- Handle internal management information system (MIS) reporting requirements for the team.
Operational
- Follow all relevant policies, processes, and standard operating procedures to ensure work is carried out in a controlled manner.
- Conduct periodic reviews of risks (credit, operational, compliance, etc.) within the portfolio.
- Manage day-to-day administrative and transactional activities for the team.
- Ensure internal processes for existing portfolios and NTBs comply with company policies.
- Oversee KYC and compliance requirements to align with company policies.
- Ensure timely submission of credit reviews and compliance with agreed conditions.
- Maintain all client files and documents properly.
- Maintain satisfactory audits on the portfolio and adhere to process KPIs and internal audit requirements.
Leadership
- Act as a role model for the Contracting group and Civil Contractors team.
- Lead, mentor, motivate, and develop team members for career growth and succession planning.
- Establish a high-performance culture and ensure high engagement levels.
- Encourage team ownership through rightful assignments.
- Achieve individual and team financial performance targets.
- Attend training programs to ensure development and skill upgrades of team members.
- Participate in the hiring process of new team members.
Requirements / Qualifications
- Bachelor’s degree in finance or a related discipline.
- 12+ years of experience in banking, with at least 8+ years in a senior role managing a team.
- Deep knowledge of wholesale banking or investment banking.
- Understanding of the company's product offerings and business strategy.
- Strong relationship management skills both internally and externally.
- Excellent communication skills, both written and verbal.
- Ability to analyze and research information effectively.
- Strong financial and credit analysis skills with an aptitude for identifying opportunities and closing business deals.
- Data analysis and financial modeling skills.
- Ability to work under pressure and adjust to changing priorities.
- Proficiency in MS Office (Excel, Word, PowerPoint).
Preferred
- A Master’s degree in business administration is preferred.