credit relationship manager

Mashreq Corporate & Inve...

Manage a set of existing Small Enterprise (SE) relationships and originating new SE relationships in business communities around branch locations.To achieve assigned financial and non financial objectives by meeting all borrowing &amp; non borrowing needs of customers with target segments (Viz. borrowers, transactors, depositors).Actively source new-to-bank customers and generate new business leads from walk-in customers. Manage all customers focusing on relationship Management &amp; up-selling/ deep-selling/ cross selling other bank products. Seamlessly takeover new relationships originated by DS &amp; relationships downgraded by ME team using defined customer on-boarding procedure.Constantly identify opportunities to upgrade customers to ME category by identifying customer's needs &amp; profiling.Responsible for quality &amp; soundness of assigned SE portfolio (KYC reviews, monitoring for due diligence, anti money laundering procedures etc).Improve share of wallet &amp; target to be primary bank for each of the relationships in the assigned portfolio. Enhance relationship revenue from existing portfolio of borrowing &amp; non-borrowing accounts by cross-selling complete range of banking products. Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer service.Conduct annual/periodic credit facility reviews in the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the banks credit policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades/ upgrades.Follow-up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of various credit related issues.Implement and maintain complete control aspects i.e. documentation, periodical client visits / call reports, stock inspections and formal credit checks / informal market feedback to monitor the assigned portfolio effectively. Maintain acceptable portfolio quality.Screen the market for NTB opportunities.Liaise between internal and external advisors to ensure precision of agreements.Develop on the job learning curve of SSO to enable them to grow professionally and prepare them for higher levels of responsibility. Liaise with superiors and direct reports within the business units, Risk Management and related enabler units within the bank to achieve business objectives.Achieve assigned financial and non financial targets.Adhere to all the compliance &amp; regulatory policies with regards to KYC/ AML etc as set out by the bank from time to time.Update branch manager and regional SE manager on regular / weekly for better controls on sales and relationship management.Regularly upgrade existing SE customers to ME segment by offering need based solution as per client's profile &amp; requirements.Banking Sales &amp; service experience with proven relationship management qualities.Requires advanced vocational knowhow of the subject matter (viz. Credit, Trade, Operating system, Legal, etc)Excellent communication and negotiation skills.At least 4 years + relevant banking experience in local or international marketMBA/CA or if a regular graduate needs to possess adequate relevant experience.Positive attitude, strong work ethic and a good team player.

Relationship Manager- Business Banking

DOHA BANK

<div>
 
 Are you a seasoned credit risk professional ready to shape the future of risk evaluation in a dynamic banking environment? Join our team as a
 
 Manager &ndash; Credit Risk Evaluation
 
 , where you'll lead strategic credit reviews across our Institutional Banking Group (IBG), Treasury, and Wholesale Banking functions.
 
 
 
 
 
 What You&rsquo;ll Do :
 
 
 
 
 <ul>
 <li>
 Lead the development and execution of credit evaluation strategies aligned with our organizational goals
 </li>
 <li>
 Oversee corporate and SME credit assessments to mitigate risk and minimize losses
 </li>
 <li>
 Ensure compliance with internal policies and QCB regulatory guidelines
 </li>
 <li>
 Review and recommend credit applications, assessing financial and operational risks
 </li>
 <li>
 Guide and mentor Credit Risk Analysts in financial analysis, credit grading, and risk management
 </li>
 <li>
 Conduct client meetings and site inspections to support credit decisions
 </li>
 <li>
 Build strong relationships with internal and external stakeholders
 </li>
 <li>
 Prepare management reports and contribute to recruitment and performance reviews
 </li>
 </ul>
 
 
 
 
 What You Bring :
 
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Business, Banking, Finance, or related field (Master&rsquo;s preferred)
 </li>
 <li>
 15 years of experience in financial services or banking, with a focus on credit review and analysis
 </li>
 <li>
 Familiarity with QCB regulatory frameworks is a strong advantage
 </li>
 <li>
 Proven leadership and team development skills
 </li>
 <li>
 Strong analytical thinking and decision-making capabilities
 </li>
 <li>
 Excellent communication and relationship management
 </li>
 </ul>
 
 
</div>

Manager Credit Risk Evaluation

Mashreq Corporate & Investment Banking Group

Maintain complex multi-product Group relationships (Group Turnover &gt; AED 3Bn) and solicit acceptable new relationships per identified market segments &amp; geographical boundaries, by originating transactions across Bank's product suite, to achieve pre-set financial &amp; non-financial objectives.Play an active &amp; integral role in deal origination efforts and coordinating between client and product team(s) in the mandate execution.Maximize utilization of approved Credit limits, by facilitating transactions &amp; addressing Operations &amp;/or Documentation requirementsResponsible 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, respectivelyReview 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.Formulate 'Relationship Strategy' &amp; 'Account Plan' for each client and ensure establishment of appropriate penetration/cross-sell strategies to attain objectives per KPI.Develop strong working relations with all existing clients at the decision making level, to position MB as their preferred bank.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.Maintain an active pipeline; focusing on 'new to bank' transactions / business.In-depth understanding of multiple product areas of the bank, thus having the capability to constructively engage with client senior management to drive new business opportunitiesIn-depth knowledge of the Bank's policies and operating systems.Understanding of economic trends vis- -vis understanding of regional / global financial markets.Strong credit and marketing skills along-with intuitive / judgment skills to evaluate risks beyond the obvious.Strong interpersonal and communication ability.

Senior Relationship Manager.CIBG

Early Approve Commercial Broker

The Relationship Officer will be responsible for promoting and selling Mashreq Bank Credit Cards to prospective customers through direct sales and field activities. The role requires strong communication skills, financial awareness, and the ability to achieve monthly sales targets under a fixed salary structure.Key Responsibilities:<ul><li>Promote and sell Mashreq Credit Cards to individual customers through outdoor and indoor sales activities.</li><li>Generate leads through cold calling, referrals, and networking.</li><li>Explain product features, eligibility, and documentation requirements to customers.</li><li>Ensure all applications are accurately completed and submitted within set timelines.</li><li>Maintain a professional relationship with customers to ensure repeat business and referrals.</li><li>Meet and exceed assigned monthly sales targets.</li><li>Coordinate with the back-office team for timely processing of applications.</li><li>Follow company and bank compliance policies during customer interactions.</li><li>Participate in daily/weekly sales meetings and training sessions.</li></ul>Requirements:<ul><li>Minimum 1 year of UAE banking or credit card sales experience preferred.</li><li>Minimum Qualification: Bachelor&rsquo;s Degree in any discipline (mandatory).</li><li>Excellent communication and interpersonal skills.</li><li>Strong sales and negotiation ability</li><li>Basic knowledge of banking products and credit policies.</li><li>Ability to work under pressure and meet deadlines.</li><li>Must be available for field sales and flexible with working hours if required.</li></ul>Compensation &amp; Benefits:<ul><li>Fixed Monthly Salary (as per experience and company standards).</li><li>Attractive Incentives based on performance.</li><li>Visa + Insurance + Other standard benefits as per UAE labor law.</li><li>Career growth opportunities within the organization and bank partnership channels.</li></ul>Job Types: Full-time, PermanentPay: AED2,500.00 - AED5,000.00 per month

Relationship Officer – Mashreq Credit Card (Fixed Salary)

Mandarin Oriental Hotel Group

<div>Mandarin Oriental, Doha is looking for a Credit Manager to join our Finance team.
Are you a master of craft? Do you thrive in a team that succeeds together, demonstrating integrity and respect while acting responsibly? Do you embrace a growth mindset? We invite you to become a fan of the exceptional.
Mandarin Oriental is the award-winning owner and operator of some of the most luxurious hotels, resorts and residences located in prime destinations around the world, with a strong development pipeline. Increasingly recognised for creating some of the world&rsquo;s most sought-after properties, the Group provides legendary service inspired by Asian heritage whilst representing the very cutting-edge of luxury experiences.
Mandarin Oriental, Doha is an intimate and stylish urban retreat, blending Qatari-influenced heritage with modern design. Located in the heart of Msheireb Downtown Doha, within walking distance to Souq Waqif, Museum of Islamic Art and a short distance to the business district, West Bay.<h2 class="jobSectionHeader">
Scope of Position</h2>
The Credit Manager maintains proper credit procedures throughout the hotel in accordance with both local and corporate policies and procedures. To control and monitor prompt billing and collection of all accounts receivable items in order to maintain the lowest possible level of outstanding accounts at all times. Primarily responsible for the hotel debtor&rsquo;s function: processing credit applications, invoicing, debt collection, AR cashiering, reconciliations and month-end requirements.

As Credit Manager, you will be responsible for the following duties:
<ul><li>Establish and maintain local credit policies and procedures regarding billing, collection, credits cards, inquiries, cheque encashing, etc.</li>
<li>Ensure all departments within the hotel conform to the established guidelines for credit and collection policies and procedures.</li>
<li>Working closely and communicating with Room Sales, Events, Front Office and Restaurants colleagues.</li>
<li>Must have thorough knowledge of all policies and procedures as they relate to credit and receivables.</li>
<li>Must work in a safe, prudent, and organized manner.</li>
<li>Must have a commitment to follow all local corporate policies and procedures as they relate to credit and receivables.</li>
<li>Investigate fully all requests for billing and function as final authority over credit approval.</li>
<li>Inspect all in-house accounts (PM and PX) to ensure adherence to the hotels&rsquo; credit policy; assist with the collection efforts of these accounts where necessary.</li>
</ul>
As Credit Manager, we expect from you:
<ul><li>Minimum of 2-3 years&rsquo; experience as Credit Manager or Accounts Receivable Manager in a similar capacity in a hotel.</li>
<li>Pre-opening experience preferred</li>
<li>Able to work in a pre-opening environment</li>
<li>Excellent communication skills within the organization. Proactive communicator.</li>
<li>High managerial/supervisory skills to meet and focus on deadlines, planning ahead, result driven and also flexible</li>
</ul>
Our commitment to you<ul>
<li>
Learning &amp; Development. Your success is our success. We craft unique learning and development programmes for various stages in your career so that you grow, continuously.</li>
<li>MOstay. When you work as hard as our colleagues do, it&rsquo;s important to take time off. As a member of the #MOfamily, you can stay with us wherever you go in the world. The MOstay programme offers complimentary nights and additionally attractive rates on rooms for you and your loved ones.</li>
<li>Heath &amp; Colleague Wellness. Finding the right work-life balance is important. Your wellbeing matters to us. A variety of health benefits and wellness programmes are offered to all our colleagues, globally.</li>
<li>Retirement Plans. When you show commitment to us, we reciprocate. We offer different retirement plans depending on the length of your service and your role.</li>
<li>A competitive salary and benefits packages</li>
<li>Transportation and Housing provided</li>
<li>Relocation and Vacation Tickets</li>
</ul>
We&rsquo;re Fans. Are you?</div>

Credit Manager

Mandarin Oriental

<div>
 Mandarin Oriental, Doha is looking for a Credit Manager to join our Finance team.
 
 
 Are you a master of craft? Do you thrive in a team that succeeds together, demonstrating integrity and respect while acting responsibly? Do you embrace a growth mindset? We invite you to become a fan of the exceptional.
 
 
 Mandarin Oriental is the award-winning owner and operator of some of the most luxurious hotels, resorts and residences located in prime destinations around the world, with a strong development pipeline. Increasingly recognised for creating some of the world&rsquo;s most sought-after properties, the Group provides legendary service inspired by Asian heritage whilst representing the very cutting-edge of luxury experiences.
 
 
 Mandarin Oriental, Doha is an intimate and stylish urban retreat, blending Qatari-influenced heritage with modern design. Located in the heart of Msheireb Downtown Doha, within walking distance to Souq Waqif, Museum of Islamic Art and a short distance to the business district, West Bay.
 
 
 Scope of Position
 
 
 The Credit Manager maintains proper credit procedures throughout the hotel in accordance with both local and corporate policies and procedures. To control and monitor prompt billing and collection of all accounts receivable items in order to maintain the lowest possible level of outstanding accounts at all times. Primarily responsible for the hotel debtor&rsquo;s function: processing credit applications, invoicing, debt collection, AR cashiering, reconciliations and month-end requirements.
 
 
 
 As
 
 
 Credit Manager, you will be responsible for the following duties:
 
 
 
 <ul>
 <li>
 Establish and maintain local credit policies and procedures regarding billing, collection, credits cards, inquiries, cheque encashing, etc.
 </li>
 <li>
 Ensure all departments within the hotel conform to the established guidelines for credit and collection policies and procedures.
 </li>
 <li>
 Working closely and communicating with Room Sales, Events, Front Office and Restaurants colleagues.
 </li>
 <li>
 Must have thorough knowledge of all policies and procedures as they relate to credit and receivables.
 </li>
 <li>
 Must work in a safe, prudent, and organized manner.
 </li>
 <li>
 Must have a commitment to follow all local corporate policies and procedures as they relate to credit and receivables.
 </li>
 <li>
 Investigate fully all requests for billing and function as final authority over credit approval.
 </li>
 <li>
 Inspect all in-house accounts (PM and PX) to ensure adherence to the hotels&rsquo; credit policy; assist with the collection efforts of these accounts where necessary.
 
 
 </li>
 </ul>
 
 As Credit Manager, We Expect From You
 
 
 
 <ul>
 <li>
 Minimum of 2-3 years&rsquo; experience as Credit Manager or Accounts Receivable Manager in a similar capacity in a hotel.
 </li>
 <li>
 Pre-opening experience preferred
 </li>
 <li>
 Able to work in a pre-opening environment
 </li>
 <li>
 Excellent communication skills within the organization. Proactive communicator.
 </li>
 <li>
 High managerial/supervisory skills to meet and focus on deadlines, planning ahead, result driven and also flexible
 
 
 </li>
 </ul>
 
 Our commitment to you
 
 
 
 <ul>
 <li>
 Learning &amp; Development. Your success is our success. We craft unique learning and development programmes for various stages in your career so that you grow, continuously.
 </li>
 <li>
 MOstay. When you work as hard as our colleagues do, it&rsquo;s important to take time off. As a member of the #MOfamily, you can stay with us wherever you go in the world. The MOstay programme offers complimentary nights and additionally attractive rates on rooms for you and your loved ones.
 </li>
 <li>
 Heath &amp; Colleague Wellness. Finding the right work-life balance is important. Your wellbeing matters to us. A variety of health benefits and wellness programmes are offered to all our colleagues, globally.
 </li>
 <li>
 Retirement Plans. When you show commitment to us, we reciprocate. We offer different retirement plans depending on the length of your service and your role.
 </li>
 <li>
 A competitive salary and benefits packages
 </li>
 <li>
 Transportation and Housing provided
 </li>
 <li>
 Relocation and Vacation Tickets
 
 
 </li>
 </ul>
 
 We&rsquo;re Fans. Are you?
 
</div>

DBS Bank

Business FunctionCorporate and Investment Banking provides corporate customers with a full range of Commercial banking products and services including cash management services, current accounts time deposits, trade finance, working capital finance, term loans and foreign exchange, Through our continued commitment, DBS has cultivated long standing relationships with its customers in the region that are based on account relationship management, service differentiation product development and rigorous credit standards.Job Purpose* To acquire and build a well diversified portfolio within the IBG 4 segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to a healthy income with an acceptable risk to the bank.* The Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank.Key Accountabilities* Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 100 Crore, aligned to Bank Lending Policy* Ensure a good Net Interest Income as well as fee across the portfolio and also ensure regular revenue streams through Cross Sell of Trade, Liabilities, Cash, Treasury, Fee, etc.* Play an instrumental role in increasing the Profitability of the Branch.* Ensure proper monitoring of Portfolio and maintaining the delinquencies at NIL.* Implement & execute IBG4 business strategy to increase market share & to achieve targets consistent with IBG4 –Topline and Bottom line targets with focus on a diversified portfolio and reduce concentration risk in the portfolio.* Build DBS Brand Value and enhance network in the location by various marketing activities, collaborations and events.* To comply with the Bank’s process & policies and ensure positive ratings during all Country / Group auditsJob Duties & responsibilities* Source New to Bank Asset relationships within IBG 4 Segment up to T/O of 25 Crore, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team.* Cross Sell of Liability, Trade, Cash and Treasury Product actively.* To achieve the individual Budgeted revenues through all product parameters* Conduct Proper Due diligence while on-boarding New Asset Relationships.* On board clients with a clear account plan highlighting the revenue potential, risks and mitigants.* Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the bank.* Constant Monitoring of the Portfolio and ensure Timely Renewals. Provide regular feedback to the credit and portfolio team about various developments in the client’s business.
 
Work closely with the monitoring team for early warning signals and take appropriate actions as identified.* Thorough monitoring of accounts sourced and keep track on customer’s business and report any early warning signals.* Ensure Timely Renewals of Accounts.* Ensure that the covenants and conditions prescribed by the credit team are consistently met.* Adherence to strict KYC/AML requirements.* MIS to be provided to the central team for further reporting, within the stipulated guidelines.* Timely Completion of Learning Programs as assigned by DBS for time to time* To comply with the Bank’s process & policies.* To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA’s, Influencer’s and Industry association to be updated on the current market practice and local intelligence.* To be responsible for submitting any material information around business Opportunities and Industry/Customer Risk, same shall be reported to the senior functional management at regular interval.Requirements* Overall 3- 5 years of experience in sales.* 2 years of sales experience in SME/Business Banking Lending.* Proven sales track record in asset business in the SME/Business Banking segment.* Knowledge of competitors and marketplace* Market knowledge and experience in the SME segment, with reference to customer preferences and requirement is preferred.Education / Preferred Qualifications* Bachelors in finance / Economics/Commerce or MBA or CACore Competencies* Excellent Communication & Listening Skills, Good Sales & Negotiation SkillsTechnical Competencies* Working Capital Finance KnowledgeWork Relationship* Manager / Direct ReportDBS India - Culture & BehaviorsDBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are: * Demonstrate Business Performance through PRIDE 2.0 Value Based Propositions* Ensure Customer Focus by Delighting Customers & Reduce Complaints* Build Pride and Passion to Protect, Maintain and Enhance DBS’ Reputation* Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement* Maintain the Highest Standards of Honesty and Integrity.Apply NowWe offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.-en

Analyst, Relationship Manager, Credit program small, Small Medium Enterprises

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Relationship Officer – Mashreq Credit Card (Fixed Salary)

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Analyst, Relationship Manager, Credit program small, Small Medium Enterprises