Relationship Manager

 

Description:

We are hiring at two levels for our Commercial Banking and Corporate Banking teams:

 

Relationship Specialist: supports the Relationship Managers in building the portfolio, preparing credit proposals and handling day-to-day client servicing.

 

Relationship Manager: owns a portfolio of commercial or corporate clients, originates new business and leads transactions from first meeting to disbursement.

 

Key responsibilities

Source and develop new commercial and corporate clients across the UAE and the wider region

Understand each client’s business, cash flow and funding needs, and recommend the right financing structure

Structure and arrange funded and non-funded facilities through our partner banks and financial institutions

Prepare credit proposals, information memoranda and financial analysis for lenders

Negotiate terms and pricing with lenders, and manage each deal through approval, documentation and disbursement

Manage and grow an existing portfolio through cross-selling, renewals and limit increases

Monitor client accounts, covenants and renewals, and keep clients and lenders informed

Meet revenue, origination and portfolio quality targets

Ensure every transaction complies with KYC, AML and internal compliance standards

Products you will offer

 

Working capital and operating (OPEX) financing

 

Funded:

Overdraft and revolving working capital lines

Short-term loans and bridge financing

Trust receipts and import loans

Bills discounting, under letters of credit and outside them

Invoice discounting, receivables financing and factoring

Supply chain finance (payables finance and reverse factoring)

Pre-shipment and export financing

Shariah-compliant working capital: Murabaha, Wakala and Tawarruq

 

Non-funded:

Letters of credit (sight and usance)

Letters of guarantee: bid bonds, performance bonds, advance payment and financial guarantees

Standby letters of credit

Capital expenditure (CAPEX) and long-term financing

 

Medium- and long-term loans

Project finance

Equipment, machinery and asset finance

Commercial real estate and construction finance

Acquisition finance

Bilateral and syndicated loans

Shariah-compliant CAPEX financing: Ijarah, Diminishing Musharaka and Istisna’a

 

Requirements

 

Relationship Specialist:

2 to 5 years’ experience in commercial or corporate banking, trade finance or credit,

Working knowledge of financial statements and credit analysis

 

Relationship Manager:

5 to 10 years’ experience in commercial or corporate banking, with a proven track record of origination

An established network of clients and banking relationships in the UAE

 

Both roles:

Bachelor’s degree in finance, business, accounting or a related field (MBA, CFA or similar is an advantage)

Strong knowledge of OPEX and CAPEX financing products, both conventional and Shariah-compliant

Excellent communication, negotiation and presentation skills

Fluency in English (Arabic is an advantage)

Based in, or willing to relocate to, Dubai