Associate Relationship Manager Corporate Banking ADIB

Business Proposition and Credit analysis

• Support Division Heads and RMs in the review and preparation of credit approval packages, AC memos, Credit Round Table ‘CRT’ discussion materials. etc. and ensure the same are complete as per the bank’s requirements
• Attend client calls/meetings in conjunction with the RM/Division Head in relation to the client’s banking requirements.
• Work closely with the product partners CFIB, GTB and Treasury on maximizing potential cross sell opportunities within a relationship.
• Develop and prepare spreadsheets and perform financial analysis include basic financial modeling [if applicable].
• Verify the accuracy and quality of information (both qualitative and quantitative) provided by the client.
• Carry out initial market checking and monitor credit worthiness of obligors/counterparties including search for negative press articles, rating agencies.
• Liaise with Risk in relation to the credit approval packages such as responding to queries and comments from Risk Management etc.
• Prepare necessary security and other documents in liaison with Legal & Sharia departments.

Relationship Management (Associate Relationship Manager)

• Achieve financial targets assigned in line with portfolio handled (e.g. total revenues, revenue from treasury products, revenue from cash management, RORC, etc.).
• Ensure regular interaction with clients to address any banking/financial needs and effectively increase ADIB’s share of wallet.
• Work closely with customer service unit to ensure that clients’ day to day transaction needs are address to the customers’ satisfaction.

Process Implementation

• Track review dates, and ensure all facilities are renewed/deferred on a timely basis.
• Ensure consistency, accuracy, quality, and integrity of all proposals/memos.
• Maintain and reconcile the credit files and identify discrepancies and variances
• Ensure complete adherence to all KPIs (Turnaround time (TAT), Credit package quality, Review dates, etc.).
• Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis.

Compliance

• Ensure that activities are in full compliance of group policies and processes including Sharia requirements, Central Bank regulations and other internal Legal and Compliance regulations at all times.
• Ensure satisfactory internal and external audit ratings.