finance manager

relationship manager

sales coordinator

key account manager

hr manager

credit relationship manager

مصرف ابوظبي الاسلامي

<div>Role : Senior Relationship Manager
 
Location : Dubai
 
 
Role Purpose:
 
This role is primarily responsible for developing and maintaining business relationships with SME clients to fullfill their banking requirements. Enhance customer relationships through regular planned meetings to maintain proper business relationship, identify further opportunities for x-sell and improve service.
KEY METRICS:
<ul><li>Revenue:
</li><li>Expenses:
</li><li>Net Income:
</li><li>Assets:
</li><li>Headcount:
</li><li>Number of branches:
</li><li>Number of ATMs:
</li>Number of Direct Reports: 
<li>
 
</li></ul>Key Accountabilities of the role
 
 
Credit
<ul><li>Acquire volumes principally from within the bank&rsquo;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.
</li><li>Call Report preparation to be high standards i.e. informative, presentable, conclusive, professional, and comprehensive.
</li><li>Prepare credit applications &ndash; analysis financial statements and make it ready for the approval. Ensure that CA&rsquo;s for new clients and also renewals for existing clients are correctly prepared in accordance with the bank polices and regulatory framework.
</li><li>Analyze of working capital requirements for clients, monitors financial health of the clients' business and industry.
</li><li>Ensure that all documentations for credit proposals are complete with sufficient covered collaterals.
</li><li>Initiates and ensures disbursements and adjustments of loans.
</li><li>Ensure that the approved credit lines are valid and available for the clients.
</li><li>Verifies/ inspects hypothecated /pledged inventory, mortgage fixed assets&hellip;..ets to ensure minimum credit risk.
</li><li>Liaise with various internal departments (credit-risk, legal, operations, Trade finance&hellip;) for smooth and quick turnaround of transactions.
</li><li>Strictly adhere to Bank&rsquo;s financing policy Manual and report any exceptions
</li><li>Proper credit monitoring, through different methods mainly regular customer&rsquo;s sites visits i.e. office, showrooms, warehouses... and providing call reports for the same..
</li><li>Recover of banks dues in time through the daily reports and follow ups.
</li></ul>Customer Service
<ul><li>Maintain contact with all clients in the market area to ensure high levels of Client Satisfaction.
</li><li>Maintain high standard service with customers and ensure no complains.
</li><li>Responding on customers calls and starts with appropriate greetings.
</li><li>Develops, enhances and maintains relationships with prospective clients to ensure revenue / profit targets are met/ exceeded.
</li><li>Ensure that service quality norms and client satisfaction scores are met for their set of clients.
</li><li>To do regular visits to the customer&rsquo;s
</li></ul>Internal / External Cooperation
<ul><li>Demonstrate ability to interact and cooperate with all bank employees.
</li><li>Build trust, value others, communicate effectively, drive execution, foster innovation, focus on the customer, collaborate with others, solve problems creatively and demonstrate high integrity.
</li><li>Maintain professional internal and external relationships that meet department core values.
</li><li>Proactively establish and maintain effective working team relationships with all support departments
</li></ul>Specialist Skills / Technical Knowledge Required for this role: 
 
<ul><li>Good knowledge of ADIB&rsquo;s Business Banking products &amp; services
</li><li>Experience of credit analyses and balance sheet spreading.
</li><li>Good knowledge of ADIB&rsquo;s Operational Policies &amp; Procedures
</li><li>Proficient in credit appraisal techniques including credit, risk, business &amp; financial analysis.
</li><li>Knowledge of Business Relationship Management.
</li><li>Fair Knowledge of UAE banking practices , regulations &amp; risks
</li><li>Good Knowledge of Anti-Money laundering regulations issued by the UAE Central Bank and other regulatory authorities
</li><li>General awareness of competitors in the local market
</li><li>Excellent knowledge of service standards
</li><li>Knowledge of Cross Sales
</li><li>Computer skills
</li>Excellent Communication Skills. 
<li>
 
</li></ul>Previous experience:
<ul><li>Minimum five (05) years' experience as a Relationship Management experience in a banking environment.</li></ul></div>

Senior Relationship Manager

High Street Resources

Our client is one of the UAE's leading financial institutions providing banking and financial services, is seeking a seasoned Senior Relationship Manager to join its esteemed Real Estate Unit Team.
 
Job Purpose: 
<ul>
<li>Maintain complex multi-product Group relationships and solicit acceptable new relationships by originating transactions across Bank’s product suite, to achieve pre-set financial & non-financial objectives.</li>
<li>Play an active & integral role in deal origination efforts and coordinating between clients and product team(s) in the mandate execution.</li>
<li>Optimize utilization of approved Credit limits, by facilitating transactions & addressing Operations &/or Documentation requirements.</li>
<li>Responsible for credit risk assessment, risk rating and structuring of facilities for assigned corporate relationships working with Credit Relationship Managers (CRMs), meeting the customers, preparing Credit Proposals (CPs) and liaising with Wholesale Risk Management (WRM) and the Compliance Unit to resolve all queries related to risk and compliance issues, respectively.</li>
<li>In-depth knowledge of the Bank’s policies and operating systems.</li>
<li>Understanding of economic trends vis-à-vis understanding of regional / global financial markets.</li>
<li>Strong credit and marketing skills along-with intuitive / judgment skills to evaluate risks beyond the obvious.</li>
</ul>
Key Result Areas: 
<ul>
<li>Review existing portfolio in a timely manner, recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risk to an acceptable level, and achieve a satisfactory rating on portfolio quality and credit management processes.</li>
<li>Formulate ‘Relationship Strategy’ & ‘Account Plan’ for each client and ensure establishment of appropriate penetration/cross-sell strategies to attain objectives per KPI.</li>
<li>Develop strong working relations with all existing clients at the decision-making level, to position the bank as their preferred bank.</li>
<li>Hands-on account management to ensure effective and timely delivery of the banks’ services/products to clients through proactive interaction across the bank, to attain desired level of customer satisfaction.</li>
<li>Maintain an active pipeline; focusing on ‘new to bank’ transactions / business. The incumbent functions within identified market segments and geographical boundaries and is required to adhere to the policies and guidelines set out in the Central Bank regulations/ Bank’s internal credit, operational and risk management policies and manuals and operate within UAE legal system/Overseas legal (if applicable).</li>
<li>Externally, the incumbent is required to liaise with the business and banking community and coordinate with Legal Counsels on work related to legal issues.</li>
<li>Internally, the job holder has working relationships with the Treasury, Operations, Support Divisions, Retail Banking, and the Risk Management Division, to achieve / maximize business opportunities, contain risks, and ensure that the financial /non-financial objectives are met.</li>
</ul>
Knowledge, Skills and Experience: 
<ul>
<li>Candidate must have an in-depth understanding of the real estate (RE) market and financing product suite.</li>
<li>Experience in managing RE clients is a must.</li>
<li>The individual must understand the risks associated with RE lending especially during various stages of Asset Acquisition and Development.</li>
<li>Ability to independently structure financing requirements whilst keeping in mind organizational lending policies is important.</li>
<li>Knowledge of related legal infrastructure including the Escrow laws is a plus.</li>
</ul>

Senior Relationship Manager, Real Estate Unit (VP)

Communik Marketing Management Est - Acico Business Park

Job description:Job Title: Relationship Officer - Credit Card Sales Location: Dubai, United Arab Emirates Industry: Banking &amp; Financial Services Employment Type: Full-TimeJob Summary:We are looking for dynamic and self-driven Relationship Officer to join our team in Dubai. The ideal candidate will be responsible for promoting and selling credit card products to individual customers, achieving sales targets, and maintaining excellent customer service standards.About Communik Marketing:Communik Marketing Management Est is a fast-growing digital marketing agency that specializes in helping businesses thrive online through cutting-edge services like SEO, Social Media Marketing, Website Design &amp; Development, and more. Our goal is to empower brands by delivering innovative digital solutions that drive growth. We are looking for a Sales Executive who can contribute to our success by generating new business and promoting our services.Key Responsibilities:<ul><li>Actively promote and sell credit card products to prospective customers through direct sales.</li><li>Identify customer needs and recommend suitable credit card solutions.</li><li>Meet or exceed assigned monthly and quarterly sales targets.</li><li>Ensure compliance with bank policies, procedures, and regulatory guidelines.</li><li>Provide after-sales service and support to ensure customer satisfaction and retention.</li><li>Coordinate with internal departments for timely processing of applications and customer queries.</li></ul>Requirements:<ul><li>Minimum 0&ndash;2 years of experience in credit card or financial product sales (Banking, Tele sales &amp; Any sales experience preferred).</li><li>Strong communication and interpersonal skills.</li><li>Self-motivated, target-oriented, and able to work independently.</li><li>Good understanding of banking products, especially credit cards.</li><li>Fluency in English</li><li>Ability to handle rejection professionally and maintain a positive attitude.</li></ul>Education:<ul><li>Minimum: High School Diploma or equivalent</li><li>Preferred: Bachelor&rsquo;s degree in Business, Finance, or a related field</li></ul>Benefits:<ul><li>Attractive Salary &amp; Bonus structure and performance incentives</li><li>Career growth opportunities within the company</li><li>Training and support provided</li><li>Employment visa and standard UAE benefits (medical insurance, annual leave, etc.)</li><li>Candidates with own visa (Spouse/Residence) are preferred.</li><li>Must be available to join immediately.</li></ul>Working Hours:Monday to Saturday | 10:00 AM &ndash; 7:00 PM (may vary based on campaign/location needs)Salary : AED 2500 to AED 5000 (Target based)How to Apply:If you're passionate about Banking sales, and are eager to work in a dynamic and fast-paced environment, we want to hear from you! Send your resume and cover letter to cv.cmm.acico@communikmarketing.comJob Type: Full-timeJob Type: Full-timePay: AED2,500.00 - AED5,000.00 per month

Customer Relationship Executive - Credit Card Sales

First Abu Dhabi Bank

<div>Company Description 
Join the UAE&rsquo;s largest bank and one of the world&rsquo;s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting and dynamic industry. 
Job Description 
JOB PURPOSE:
The purpose of this role is to take credit ownership from underwriting to obtaining necessary approvals for the assigned portfolio of clients within the Wealth Banking. Aside of ensuring all propositions are in compliance with Group Credit Policy and guidelines, the role&rsquo;s purpose is also to provide guidance and expertise across full spectrum of product offering(s) working with Coverage &amp; Product teams as also engaging with the client, where necessary, in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.
KEY ACCOUNTABILITIES:
Generic Accountability<ul><li>
Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring.</li><li>
Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.</li><li>
Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.</li><li>
Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.</li><li>
Ensures that appropriate Target Market Risk Acceptance Criteria and Credit Policy guidelines are followed as part of approval process.</li><li>
Conduct and where appropriate, guide a team of analyst(s), to conduct robust credit analysis and obtain appropriate approvals.</li><li>
Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making.</li><li>
Guides Coverage / Product teams on credit appetite and way and means to optimize the same to achieve optimal risk-reward balance as per established guidelines.</li><li>
Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.</li><li>
Ensure accuracy of data being presented to various stakeholders including senior management</li><li>
Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.</li><li>
Recommend amendments to the Bank&rsquo;s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank&rsquo;s risk strategy &amp; policy</li><li>
Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented</li></ul>
Job Specific Accountabilities<ul><li>
Preparation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio</li><li>
Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.</li><li>
Ensure credit processing &amp; approval turnaround times as per agreed SLAs with Business Segment.</li><li>
Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients</li><li>
Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.</li><li>
Ensure all excesses, exceptions, overdue annual reviews, covenant deficiencies, ensuring current collateral valuations and deficiencies in terms and conditions vis-&agrave;-vis lending portfolio are monitored, controlled and addressed.</li><li>
Oversight the mark-to-market revaluation and margin monitoring process and liaise with the respective RMs to rectify any margin call situations.</li><li>
Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.</li><li>
Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.</li><li>
Manage problem credits closely, and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.</li><li>
Ensure asset classification and provisioning is in line with statutory and policy guidelines including any risk downgrades.</li><li>
Providing senior level advisory support on credit policies, lending structures, documentations and guidance to business heads/units in managing complex credit risks, providing practical solutions.</li><li>
Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.</li></ul> 

Qualifications 
Minimum Qualification<ul><li>
Must have Bachelor&rsquo;s degree.</li><li>
Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.</li></ul>
Minimum Experience &amp; Skill Set<ul><li>
Minimum 10 years relevant experience in the banking sector with at least 4-5 years in Credit function.</li><li>
Expert knowledge of various credit products such as Lombard lending, Real Estate financing, FX and Derivatives.</li><li>
Expert knowledge of various Investment products such as bonds, sukuks, stocks, mutual funds, structured notes etc.</li><li>
Ability to look into and beyond Personal Net Worth Statements/financials and see business proposition.</li><li>
Strong structuring skills</li><li>
Good understanding of legal and regulatory framework.</li><li>
Ability to work under pressure</li><li>
Strong communication skills &ndash; written and spoken.</li></ul></div>

AVP & Lead- Credit Management

IDS Solution

Job Title: Sales Executive &ndash; Credit Card (Dubai)Location: Dubai, UAECompany: Fintrek Marketing Apply Now: prasoon.pk@fintrekmarketing.com www.fintrekmarketing.comWe Are Hiring &ndash; Sales Executive (Credit Card)Join our growing team at Fintrek Marketing in Dubai! We are looking for motivated and energetic Sales Executives to promote credit card products and provide financial solutions to customers. Whether you are a fresher or an experienced sales professional, this is your chance to build a rewarding career with us.Requirements:<ul><li>Freshers and experienced candidates are welcome.</li><li>Excellent communication and interpersonal skills.</li><li>Strong ability to build and maintain client relationships.</li><li>Capable of generating leads through customer referrals and cold calling.</li><li>Understand customer needs and recommend suitable financial solutions.</li><li>Goal-driven and able to achieve monthly sales targets.</li></ul>What We Offer:<ul><li>Competitive salary AED 3,000 &ndash; AED 5,000 (based on experience) + attractive incentives.</li><li>Opportunity to work with leading UAE banks.</li><li>Supportive work culture and regular training sessions.</li><li>Career growth and development opportunities.</li></ul>Apply Now: prasoon.pk@fintrekmarketing.com Visit us: www.fintrekmarketing.comJob Types: Full-time, PermanentPay: Up to AED5,000.00 per month

Relationship Officer (credit card consultant)

<div>Role : Associate Relationship Manager - Corporate Banking
 
Location : Dubai
 
 
Role Purpose:
<ul><li>Support the Division Head and RMs in the overall maintenance of the assigned relationships within a Division &ndash; including but not limited to preparation of credit approval packages, AC memos, Credit Round Table &lsquo;CRT&rsquo; discussion materials, credit file maintenance, supporting the lead RM on business growth and operational matters
</li><li>Conduct thorough financial analysis and assess credit requests, including new requests, changed requests, refinancing and annual due diligence reviews
</li><li>Obtaining and updating the banking standards such as compliance clearance, documentation checklist, call reports etc.
</li></ul>Key Accountabilities of the role
<div>Business Proposition and Credit analysis:
<ul><li>Support Division Heads and RMs in the review and preparation of credit approval packages, AC memos, Credit Round Table &lsquo;CRT&rsquo; discussion materials etc. and ensure the same are completed as per the bank&rsquo;s requirements
</li><li>Attend client calls/meetings in conjunction with the RM/Division Head in relation to the client&rsquo;s banking requirements
</li><li>Work closely with the product partners &ndash; CFIB, GTB and Treasury on maximizing potential cross sell opportunities within a relationship
</li><li>Develop and prepare spreadsheets and perform financial analysis incl. basic financial modeling [if applicable] and qualitative analysis to support analysis of potential and existing credit applications
</li><li>Verify the accuracy and quality of information (both qualitative and quantitative) provided by the client
</li><li>Carry out initial market checking and monitor credit worthiness of obligors/counterparties including search for negative press articles, rating agencies.
</li><li>Liaise with Risk in relation to the credit approval packages such as responding to queries and comments from Risk Management etc.
</li><li>Prepare necessary security and other documents in liaison with Legal &amp; Sharia departments
</li><li>Liaise with CAD as and when required during preparation of CA packages and ensure all deferred documentations are tracked and obtained on time as well as updating all the banking standards such as compliance clearance, documentation checklist, call reports etc. in a timely manner
</li></ul>Relationship Management
<ul><li>Achieve financial targets assigned in line with portfolio handled (e.g. total revenues, revenue from treasury products, revenue from cash management, RORC, etc.)
</li><li>Ensure regular interaction with clients to address any banking/financial needs and effectively increase ADIB&rsquo;s share of wallet
</li><li>Work closely with customer service unit to ensure that clients&rsquo; day to day transaction needs are addressed to the customers&rsquo; satisfaction
</li></ul>Process Implementation
<ul><li>Track review dates, and ensure all facilities are renewed/deferred on a timely basis
</li><li>Ensure consistency, accuracy, quality, and integrity of all proposals/memos
</li><li>Conduct client calls at least quarterly and ensure all call memos are appropriately documented capturing the contents of the meeting, business opportunities, credit financial plan etc and ensure theses memos are routed via the requisite systems
</li><li>Maintain and reconcile the credit files and identify discrepancies and variances
</li><li>Ensure complete adherence to all KPIs (Turnaround time (TAT), Credit package quality, Review dates, etc.)
</li><li>Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis
</li></ul>Compliance
<ul><li>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
</li><li>Ensure satisfactory internal and external audit ratings
</li></ul></div>Specialist Skills / Technical Knowledge Required for this role:
<div><ul><li>Strong analytical skills, including ability to perform data analysis, financial &amp; credit analysis, presentation skills, etc.
</li><li>Knowledge of Credit Policy &amp; Procedures
</li><li>Attended relevant credit training
</li><li>Customer skills and ability to prioritize and manage multiple tasks
</li><li>Customer orientation, communication, quality orientation, teamwork, adaptability, technical knowledge, influencing &amp; negotiation skills, information gathering and problem solving</li></ul></div></div>

Associate Relationship Manager

Mohd Al Qama General Trading Co. LLC

Overall Business development of the branch and meeting targetsDirect supervision of shop employees and delegating responsibilitiesConducting periodical shop employees meeting to discuss challenges and improving business ProcessDay to day interaction with Purchase and Inventory department to ensure adequate stock in show roomsEnsuring timely sales deliveries to customersEnsuring accuracy of customer deliveriesEnsuring accuracy of goods receipt to shop.Maintain customer relationship management by maintaining database, proper follow up calls, product promotions etc.Responsible for preparation of quotations and follow upResponsible for collection from credit customersResponsible for day end closing with reconciliation of cash balances/ credit cards/credit sales.Proper inventory display and accurate inventory control of the shopsMonitoring slow moving/expiring items and faster clearance of such items.Total ownership of shop inventories.Assigning rack/bins to shop employees and ensuring storage discipline from employees.Evaluation of shop employee&rsquo;s performanceMonitoring and maintaining adequate GP ratio on salesWeekly operation reporting to GM Sales and MarketingLiaison with head office executives as required.Qualifications and Education:Graduated/ Post graduatedExperience:5 YEARS BRANCH MANAGER/ SHOWROM MANAGER EXPERIENCE IN A CERAMICS &amp; BUILDING MATERIALS TRADING SECTORJob Type: Full-timeExpected Start Date: 01/09/2025

Branch In Charge ( Ceramics Products Shop)

Explore 1891+ Credit relationship manager in Dubai this September. Find roles across top companies and apply now to boost your career.