Relationship Manager SME Banking

Key Responsibilities

• Acquire new-to-bank (NTB) high-value SME clients and strengthen existing relationships to grow the bank s liabilities and revenue.
• Develop a deep understanding of client business models, requirements, and industry trends to provide customized financial solutions.
• Maintain regular engagement with clients to ensure satisfaction and proactive management of their banking needs.
• Cross-sell and up-sell FAB s full suite of products, including cash management, treasury, trade finance, and lending solutions.
• Negotiate and structure tailored financial offerings in collaboration with internal product partners.
• Ensure timely response and turnaround for client requests, account openings, and service needs.
• Represent FAB with professionalism to strengthen its brand among SME clients in the UAE.

Business Development

• Identify new business opportunities within the SME segment through market analysis and networking.
• Develop strategic account plans and follow up on sales leads to achieve growth targets.
• Collaborate with product specialists and GTB partners to present comprehensive banking solutions.
• Increase FAB s market share in the SME space by targeting key growth industries and sectors.
• Actively monitor competitors offerings and propose improvements to maintain FAB s competitive edge.

Risk and Compliance Management

• Conduct due diligence, financial analysis, and credit assessments for all clients in line with bank policy.
• Prepare and submit Credit Applications (CA) and renewal proposals accurately and within deadlines.
• Identify early warning signs of potential credit risk and take timely action to mitigate exposure.
• Ensure compliance with all regulatory guidelines, internal policies, and business banking standards.
• Cooperate with internal audit, risk management, and compliance teams to address identified gaps.
• Maintain up-to-date KYC information and ensure adherence to anti-money laundering (AML) protocols.

Portfolio and Performance Management

• Maintain an assigned portfolio of SME clients with a focus on profitability, risk control, and long-term growth.
• Regularly review client performance, account activity, and financial positions to optimize portfolio health.
• Track and report business performance against agreed key performance indicators (KPIs).
• Drive operational efficiency and deliver on service-level agreements (SLAs).

Learning and Development

• Develop a personal growth plan and actively participate in FAB s professional training programs.
• Share best practices and insights with peers and contribute to the overall improvement of SME banking operations.
• Keep abreast of market developments, regulatory changes, and emerging SME banking trends.

Skills Set

• SME relationship management
• Credit analysis and financial evaluation
• Business development and cross-selling
• Risk management and compliance
• Portfolio growth and revenue optimization
• Customer service and retention strategies
• Communication and presentation skills