Job Description

Job Title: Relationship Manager Small Business Finance
Job Location: Dubai
Experience- 5+ years
Duration- 2 years renewable
Client- Bank
Payroll- Sundus
Working days- 5 days
Education: Bachelor's degree
Industry: Banking - Financial Services
Previous experience:
1. Minimum five (05) years' experience as a Relationship Management experience in a banking environment
2. Minimum Qualification Bachelor's degree
Specialist Skills / Technical Knowledge Required for this role:
1. Good knowledge of CLIENT's Business Banking products & services
2. Experience of credit analyses.
3. Good knowledge of CLIENT's Operational Policies & Procedures
4. Proficient in credit appraisal techniques including credit, risk, business & financial analysis.
5. Knowledge of Business Relationship Management.
6. Fair Knowledge of UAE banking practices, regulations & risks
7. Good Knowledge of Anti-Money laundering regulations issued by the client and other regulatory authorities
8. General awareness of competitors in the local market
9. Excellent knowledge of service standards
10. Knowledge of Cross Sales
11. Computer skills
12. Excellent Communication Skills.
RESPONSIBILITIES:
Credit
1) Acquire volumes principally from within the bank's existing portfolio
(x-sell) and through other contacts / efforts and Develops a database
of qualified leads through referrals, telephone canvassing, face to face
cold calling with business owners, direct mail, email, and networking
on selective basis, as to achieve your business targets
2) Call Report preparation to be high standards i.e. informative,
presentable, conclusive, professional, and comprehensive
3) Prepare credit applications analysis financial statements/bank
statements and make it ready for the approval. Ensure that CA's for
clients are correctly prepared in accordance with the bank polices and
regulatory framework.
4) Analyze of working capital requirements for clients, monitors
financial health of the client's business and industry.
5) Ensure that all documentations for credit proposals are complete with
sufficient covered collaterals.
6) Initiates and ensures disbursements and adjustments of facilities.
7) Ensure that the approved credit lines are valid and available for the
clients.
8) Liaise with various internal departments (credit-risk, legal, operations,
Trade finance ) for smooth and quick turnaround of transactions.
9) Strictly adhere to Bank's financing policy Manual and report any
exceptions
10) Proper credit monitoring, through different methods mainly regular
customer's sites visits i.e. office, showrooms, warehouses... and
providing call reports for the same.
11) Recover of banks dues in time through the daily reports and follow
ups
12) Must provide practical and suitable options to help Consumers make
informed decisions that are in Consumers' best interest including
assessment of appropriateness, affordability, and suitability.
13) Ensure ethical sales practices are followed without fail
which must be conducted with due skill, care and
diligence, integrity and in a fair, honest and professional
manner towards consumers. Must not indulge in
misleading or aggressive sales practices and exploitation
of customers due to their vulnerabilities, apathy or lack of
knowledge
14) Must take necessary steps to ensure that Customers are
made aware of and understand the proposed terms and
conditions prior to the final stage of the sales process or
the time of signing of the Facility Offer Letter
Customer Service
1) Maintain contact with all clients in the market area to ensure high
levels of Client Satisfaction.
2) Maintain high standard service with customers and ensure no
complains.
3) Responding on customers calls and starts with appropriate greetings.
4) Develops, enhances, and maintains relationships with prospective
clients to ensure revenue / profit targets are met/ exceeded.
5) Ensure that service quality norms and client satisfaction scores are
met for their set of clients.
To do regular visits to the customer's
Internal / External Cooperation
1) Demonstrate ability to interact and cooperate with all bank employees.
2) Build trust, value others, communicate effectively, drive execution,
foster innovation, focus on the customer, collaborate with others,
solve problems creatively and demonstrate high integrity.
3) Maintain professional internal and external relationships that meet
department core values.
4) Proactively establish and maintain effective working team
relationships with all support departments
5) Must complete mandatory trainings within bank provided timelines
and ensure that the staff enhance their skills by opting for/undergoing
appropriate trainings as per their development requirements identified
through discussions with their Line Managers.

Skills Required