Assistant Relationship Manager, Emerging Corporates

at  Commercial Bank of Dubai

Description
Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.
CBD has been recognized as the number one bank in the UAE on the Forbes list of The World’s Best Banks 2022.
As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers - and delivering service that really goes the extra mile.

EDUCATION AND EXPERIENCE

3-5 years of experience in Commercial Banking with min 2 years of exposure to Commercial Banking / Mid Market in the UAE
Having relationship skills in handling both internal & external clients.
Good command of English, Arabic language will be an added advantage.
Trade Finance & Cash Management knowledge
Financial analysis skills

JOB PURPOSE:

Manage dual responsibilities of managing existing portfolio of Emerging Corporate customers jointly with the assigned RM in addition to providing extensive support to the team to achieve overall assigned financial targets.

PRINCIPLE ACCOUNTABILITY

Identify revenue opportunity in existing portfolio base and work with assigned RM in maximizing share of wallet from existing customer base.
Complete all credit facility renewals on time and identify additional business opportunity while conducting the annual credit reviews
Continuously explore opportunities in existing portfolio base for CASA, Funded, Non-Funded Asset and Fee & FX income.
Conduct financial analysis, credit rating, and prepare detailed Credit write-ups for approval under delegated authority for Wholesale Banking Credit
Conduct customer visits with RMs as and when required and record call reports in a timely manner.
Ensure regular monitoring of financials, credit monitoring requirements, exceptions, preparation of portfolio reviews and covenant maintenance.
Comply with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank
Provide end-to-end resolution of escalated customer transactions, service requests and complaints redirected from existing service channels to enhance customer satisfaction
Ensure KYC reviews are completed on time and critically evaluate information gathered to ensure compliance with regulations and AML/KYC policy
Assume full responsibility of RM in his/her absence without any disruption in service levels and delivery on assigned financial targets.
Maintain effective governance and house keeping
Keep abreast of developments in the local business environment to spot business opportunities. Contribute to the planning process to develop corporate business strategies
Requirements