Relationship Manager, Services & Manufacturing (UAE National Only)

Job Purpose
To manage and enhance the existing commercial asset portfolio and solicit acceptable new relationships in order to meet pre-set financial / non-financial objectives

Key Result Areas
• Review the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risks to an acceptable level.
• Obtain audited financial statements, analyze them, and recommend credit proposals of potential borrowers to the approving authority to meet financial objectives.
• Implement and maintain complete control aspects i.e. documentation, periodical client visits / call reports, stock inspections and formal credit checks / informal market feedback to monitor the assigned portfolio effectively.
• Undergo an annual credit review process on the assigned portfolio to achieve a satisfactory rating on asset portfolio quality and credit management process.
• Develop on the job learning curve of RO / SRO to enable them to grow professionally and prepare them for higher levels of responsibility.

Knowledge, Skills and Experience
• Complete knowledge and clear understanding of the Bank’s credit policy and operating systems.
• Strong credit knowledge and marketing skills mandatory.
• Thorough awareness of various financial products / services.
• Excellent interpersonal, communication and analytical skills with ability to perform as a team player.
• An MBA is preferred with minimum marketing experience of

• Review existing portfolio in a timely manner, prepare and recommend appropriate credit facilities in line with the bank's credit policy to maximize earnings while containing risk to an acceptable level, and achieve a satisfactory rating on portfolio quality and credit management processes.
• Quick and timely turnaround of CPs while maintaining quality of analysis.
• Develop strong working relations with all existing clients at the decision making level, to position MB as their preferred bank.
• Hands-on account management to ensure effective and timely delivery of the banks' services/products to clients through proactive interaction across the bank, to attain desired level of customer satisfaction.
• Maintain an active pipeline; focusing on 'new to bank' transactions / business.
• Monitor account conduct of borrowers and provide information at each review, thereby ensuring effective portfolio management and ensuring that the portfolio quality is maintained by highlighting early warning signals.
• Remain vigilant to the possibility of any money laundering activities in the accounts, and escalate all suspected money laundering cases to the Unit Manager and Group Money Laundering Reporting Officer (MLRO).

• In-depth understanding of multiple product areas of the bank, thus having the capability to constructively engage with client senior management to drive new business opportunities
• In-depth knowledge of the Bank's policies and operating systems.
• Strong credit and marketing skills with understanding of economic trends vis-à-vis understanding of regional / global financial markets.
• Strong interpersonal and communication ability.
• Minimum 5 - 10 years of relevant experience is required.