About the Role:
We are seeking ambitious individuals passionate about the banking and finance industry to maintain strong relationships with our Commercial clients and assist Relationship Managers in fostering successful business interactions. Your ability to engage with colleagues and customers, coupled with a commitment to delivering exceptional service, is essential to this role.
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Job Purpose:
To maintain good relationships with Commercial clients and assist Relationship Managers in ensuring successful and optimal business outcomes.
Principal Accountabilities:
- Process renewals and new credit proposals, as well as excess and isolated requests for existing customers, promptly and professionally with minimal involvement from the Relationship Manager.
- Ensure timely and accurate credit administration through the completion of annual reviews and regular monitoring of financials, covenants, and other parameters within the review cycle.
- Handle customer queries proficiently and provide suitable solutions to enhance customer satisfaction.
- Analyze and evaluate information provided by customers, such as project reports, feasibility studies, balance sheets, and cash flows, to structure credit lines while effectively balancing risk and reward.
- Establish strong communication with customers for day-to-day banking needs and professionally manage security documentation requirements.
- Maintain effective internal and external communication to ensure turnaround times are met and client satisfaction levels are improved.
- Conduct customer visits as necessary for business needs.
- Monitor the development and progress of Commercial deals and act quickly in response to any adverse developments.
- Comply with internal audit requirements in accordance with policy guidelines to uphold high standards of consistency and uniformity across the bank.
- Monitor early warning signs of account deterioration and contribute to maintaining high asset quality.
Service and Quality:
- Ensure the professional quality of credit proposals and internal/external communications aligns with defined policies and procedures.
- Demonstrate strong autonomy and the ability to work independently from the Relationship Manager.
- Process excess and isolated requests for existing customers within designated turnaround times.
- Proficiently handle customer inquiries and provide suitable solutions to enhance their satisfaction.
Requirements
Education & Experience:
- A degree in Accounting, Finance, Economics, or Business Management/Administration.
- 3-4 years of experience in Corporate/Commercial Banking in the role of credit analyst or relationship officer, with exposure to Corporate Banking in the UAE.
