Director - Corporate banking - Coverage KSA

JOB PURPOSE:

To manage and grow corporate banking account portfolios and client relationships for assigned portfolio; improve service quality levels and supervise the subordinates’ day-to-day activities and client interactions to ensure that the team’s objectives are constantly met and its revenue targets achieved, while maintaining client satisfaction and portfolio credit quality.

Client targets:

• Client turnover: above AED 350MM to AED 1Bn
• Relationship revenue: AED10MM–35MM p.a.
• Facility size: AED75m– AED 650MM
• Includes non-borrowing clients where:
• deposit of >AED100mm, or
• bank revenues >500k p.a.
• Mid local corporates

KEY ACCOUNTABILITIES:

Client and Market Analysis

• Participate in the financial analysis conducted on clients and their respective industries/ markets to identify potential opportunities and risks.

Client Relationship Management

• Originate new business opportunities with target clients across banking products
• Develop Term Sheet, Information Memorandum, financial modelling, mandate letter…. etc.;
• Examine & resolve credit, market and operational risk aspects of the transactions in collaboration with products and enablement units.
• Pitch, review, negotiate and conclude deals.
• Motivate, Develop and Coach a team member.
• Maintain the credit quality of the client’s relationships within the Portfolio to an acceptable level set by the Bank’s management
• Achieve individual and team financial performance targets.
• Identify & develop cross selling opportunities and increase the cross-sell ratio with key clients.
• Ensure Account Plans are prepared and maintained for all key clients.
• Ensure all clients’ files /documents are maintained.
• Ensure all credit reviews are submitted on time and agreed conditions are met.
• Adhere to process KPI’s and, ORM, BCP & Internal Audit requirements

Day-to-Day Activities

• Work on the day-to-day administrative and transactional activities such as client calls, documentation follow up, updating pipeline, and any other activities in the unit/team to ensure continuity of work and the delivery of effective and high-quality outputs.
• Manage and follow up on KYC and compliance requirements in order to ensure consistency with the Bank’s KYC and AML policies and regulatory requirements.

Policies, Systems, Processes, and Procedures

• Follow all relevant policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.

MIS and Reports

Assist in the preparation of timely and accurate statements and reports to meet the unit’s requirements, policies, and standards.

QUALIFICATIONS & EXPERIENCE:

Minimum Qualification

• Bachelor’s degree in Finance or related discipline.
• Master’s degree in Business Administration is preferred.

Knowledge, Skills, and Attributes:

• Knowledge of the banking sector, and FAB’s products and business strategies
• Ability to work under pressure and adjust quickly to changing priorities
• Computer proficiency
• Ability to analyse and research information
• Banking software systems proficiency
• Data analysis and financial modelling skills
• Credit analysis and FOREX skills
• Communication skills

Minimum Experience

• 8 years of experience in Corporate Banking or a similar area preferably managing client relationships