About the Role
This position is focused on driving business development and portfolio growth within the Commercial Banking segment. You will be responsible for acquiring new-to-bank customers and expanding existing client relationships, while achieving asset growth, revenue, fee income, and cross-sell targets in line with business objectives. Your role will involve building and maintaining a robust pipeline of prospective clients and developing trusted relationships to become their primary banking advisor.
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Key Responsibilities
Business Development & Portfolio Growth
- Drive portfolio growth by acquiring new-to-bank customers and expanding existing client relationships.
- Achieve asset growth, revenue, fee income, and cross-sell targets in line with business objectives.
- Identify and capitalize on business opportunities within the Commercial Banking segment.
- Build and maintain a strong pipeline of prospective customers.
Relationship Management
- Develop trusted relationships with clients and become their primary banking advisor.
- Understand customer requirements and provide tailored banking solutions to meet their business needs.
- Maintain regular engagement with customers to strengthen relationships and identify growth opportunities.
- Ensure a high standard of service delivery and client satisfaction.
Credit & Lending
- Prepare credit proposals, credit memos, amendments, revalidations, extensions, and related documentation.
- Conduct financial statement analysis and industry assessments.
- Present lending proposals while ensuring adherence to the Bank’s risk appetite and credit policies.
- Monitor portfolio quality and covenant compliance.
Transaction & Operational Support
- Support clients with transactional banking requirements and financing solutions.
- Coordinate disbursements and documentation with Operations, Credit, Trade Finance, and Corporate Administration teams.
- Assist with account opening, profile updates, digital banking applications, and other servicing requirements.
- Ensure timely resolution of customer requests and operational matters.
Stakeholder Management
- Work closely with Risk, Credit, Treasury, Legal, Compliance, and Operations teams.
- Coordinate internal approvals and documentation to facilitate efficient turnaround times.
- Build effective working relationships across the Bank to support client needs.
Governance, Risk & Compliance
- Ensure adherence to all internal policies, regulatory requirements, and governance frameworks.
- Maintain strong awareness of AML, KYC, and Central Bank regulations.
- Ensure clients meet compliance standards and all documentation requirements.
- Support audit and risk-management requirements across the portfolio.
What We’re Looking For
Education
- Bachelor’s degree in a relevant discipline.
- MBA, CA, CFA, or equivalent professional qualifications will be an advantage.
Experience
- Minimum 5 years of experience in Commercial Banking, Business Banking, Corporate Banking, or a similar relationship management role.
- Proven track record in business development, portfolio growth, and credit management.
Industry Exposure
- Strong understanding of commercial lending, credit analysis, and financial products.
- Knowledge of the UAE banking market and local business environment.
- Familiarity with banking regulations, AML requirements, and credit risk principles.
What’s In It For You
- Competitive, performance-linked compensation.
- Medical coverage for you and your family.
- Comprehensive life insurance.
- Opportunity to manage and grow a diverse commercial banking portfolio.
- Career development and growth opportunities within a leading UAE bank.
- Collaborative and high-performance work environment.
Skills
- Relationship Building: Strong client-facing, interpersonal, and networking skills.
- Business Development: Demonstrated ability to acquire and grow commercial banking relationships.
- Credit Analysis: Strong understanding of financial statement analysis and credit proposal writing.
- Commercial Acumen: Good understanding of customer needs, industry dynamics, and market trends.
- Communication & Negotiation: Excellent presentation, negotiation, and stakeholder management skills.
- Regulatory Knowledge: Understanding of AML, KYC, and UAE banking regulations.
