credit relationship manager

HDB Financial Services Ltd.

<div>
 <strong>
  Job Role
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  <br/>
 </strong>
 Handling Credit operation from login to Disbursement.
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 Credit Decision Making for CV proposals.
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 Handling Credit and Operational issues.
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 Monitoring vendors Like Field Investigating agencies, Valuation Legal agencies and maintaining TAT.
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 Taking care of audit queries and maintaining good audit score.
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 Taking care of collection of Front-end cases and maintaining branch portfolio.
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 Preparing MIS, Collection reports on daily basis and Weekly review reports.
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 Assisting customers with queries, requests complaints.
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 Assessing overall Credit Eligibility of customer recommended the case to higher authority.
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 Policy -Deviation Tracking.
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 <strong>
  Key Responsibilities
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  <br/>
 </strong>
 Responsible for Process and Policy Adherence.
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 Responsible for Effective Cost Management.
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 Understanding Managing Healthy Portfolio.
</div>


Credit Relationship Manager - CV

مصرف ابوظبي الاسلامي

<div><p><b>Role : Senior Relationship Manager
</b><br>
<b>Location : Dubai
</b><br>
<br>
<b>Role Purpose:
</b><br>
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.
</p><p><b>KEY METRICS:
</b></p><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:<br>
<li>
<br>
</li></ul><p><b>Key Accountabilities of the role
</b><br>
<br>
<b><i>Credit
</i></b></p><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><p><b><i>Customer Service
</i></b></p><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><p><b>Internal / External Cooperation
</b></p><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><p><b>Specialist Skills / Technical Knowledge Required for this role:<br>
</b><br>
</p><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.<br>
<li>
<br>
</li></ul><p><b>Previous experience:
</b></p><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.
<br><br>
<b>Job Purpose:</b><br>
<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>
<b>Key Result Areas:</b><br>
<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>
<b>Knowledge, Skills and Experience:</b><br>
<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

<p>Job description:</p><p><b>Job Title:</b> Relationship Officer - Credit Card Sales<br/><b>Location:</b> Dubai, United Arab Emirates<br/><b>Industry:</b> Banking &amp; Financial Services<br/><b>Employment Type:</b> Full-Time</p><p><b>Job Summary:</b></p><p>We are looking for dynamic and self-driven <b>Relationship Officer</b> 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.</p><p><b>About Communik Marketing:</b></p><p>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.</p><p><b>Key Responsibilities:</b></p><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><p><b>Requirements:</b></p><ul><li>Minimum 0&ndash;2 years of experience in <b>credit card or financial product sales</b> (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><p><b>Education:</b></p><ul><li>Minimum: High School Diploma or equivalent</li><li>Preferred: Bachelor&rsquo;s degree in Business, Finance, or a related field</li></ul><p><b>Benefits:</b></p><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><b>Candidates with own visa (Spouse/Residence) are preferred.</b></li><li>Must be available to <b>join immediately</b>.</li></ul><p><b>Working Hours:</b></p><p>Monday to Saturday | 10:00 AM &ndash; 7:00 PM (may vary based on campaign/location needs)</p><p><b>Salary : </b>AED 2500 to AED 5000 (Target based)</p><p>How to Apply:</p><p>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.com</p><p>Job Type: Full-time</p><p>Job Type: Full-time</p><p>Pay: AED2,500.00 - AED5,000.00 per month</p>

Customer Relationship Executive - Credit Card Sales

Easa Saleh Al Gurg Group (ESAG)

<div><h4 class="jobSectionHeader"><b>Job Description</b></h4>
<p></p><div><p>Purpose: To develop, implement and maintain an effective and professional credit control system for the company group.</p>
<p>
Responsibilities:</p>
<p>
Review and continuously suggest ways to improve the company&rsquo;s credit control policies, procedures, and workflows to enhance efficiency and mitigate risk.<br>
<br>
Perform reconciliation of complete UAE-BAT accounts, ensuring accuracy and timely reporting.<br>
<br>
Monitor and report customer credit limits and credit terms, providing recommendations and regular reports to the Credit Manager for proactive decision-making.<br>
<br>
Manage and follow up on outstanding receivables, contacting customers before balances become overdue to ensure prompt payment.<br>
<br>
Escalate and initiate collection procedures where required to recover overdue debts and bring them to a satisfactory resolution in line with company policies.</p>
<p>
Maintain up-to-date knowledge of credit control practices, risk management strategies, and legal debt recovery procedures to support best-in-class credit management.<br>
<br>
Prepare periodic reports on debtors&rsquo; performance, overdue accounts, and collection forecasts for management review.<br>
<br>
Collaborate with Sales and Finance teams to resolve disputes, ensure smooth account reconciliation, and support business operations.</p></div><br>
<p></p>
<h4 class="jobSectionHeader"><b>Skills</b></h4>
<p></p><div><p>Bachelors Degree<br>
Min of 5 years work experience in the same capacity with any Tobacco/FMCG firm<br>
Strong Communication and convincing skills<br>
<br>
Proven experience with FMCG company in credit control within organizations with turnover
<br>
Strong knowledge of SAP and proficiency in Microsoft Excel and Word for reporting and analysis.<br>
Excellent analytical, negotiation, and communication skills to manage client relationships and drive successful debt recovery.<br>
Ability to work independently and collaboratively, demonstrating strong attention to detail and commitment to accuracy.</p></div></div><p></p>
<br><div></div><div><div><h4 class="jobSectionHeader"><b>Job Details</b></h4>
<div><div>Job Location</div>
<div>Dubai, UAE</div>
</div><div><div>Company Industry</div>
<div>FMCG</div>
</div><div><div>Company Type</div>
<div>Employer (Private Sector)</div>
</div><div><div>Job Role</div>
<div>Accounting/Banking/Finance</div>
</div><div><div>Joining Date</div>
<div>2025-08-18</div>
</div></div><div><h4 class="jobSectionHeader"><b>Preferred Candidate</b></h4>
<div><div>Career Level</div>
<div>Senior Executive</div>
</div><div><div>Years of Experience</div>
<div>Min: 3 Max: 8</div></div></div></div>

Credit Executive

Emirates NBD

<div>
 <p>
  Job Responsibilities:
 </p>
 <p>
  -Review credit proposals and prepare credit summaries in coordination with the risk manager.
 </p>
 <p>
  -Monitor the account conduct for each company in the assigned portfolio and coordinate with CCM and BL to regularize past dues/excesses.
 </p>
 <p>
  -Implementation of ENBD Risk rating policies / tools.
 </p>
 <p>
  -Be fully aware of any updates regarding the company&rsquo;s operations and business environment.
 </p>
 <p>
  -Conduct day to day operations and minimize risky transactions on granted facilities.
 </p>
 <p>
  -Review &amp; analyze the prepared cash flow projection &amp; prepare the needed stress scenarios.
 </p>
 <p>
  -Check the accuracy of the counterparty risk rating through reviewing the financial and qualitative data using MRA tool
 </p>
 <p>
  -Ensure that the transactions that require to be approved on case by case are conducted in accordance with the conditions of the approved facilities.
 </p>
 <p>
  -Required years of experience from 3 to 5 in credit risk assessment.
 </p>
 <p>
 </p>
</div>


SME Credit Review Assistant Manager

First Abu Dhabi Bank

<div><b>Company Description</b><p><br>
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.</p><b><br>
Job Description</b><p><b><br>
JOB PURPOSE:
</b></p><p>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.</p><p><b>
KEY ACCOUNTABILITIES:
</b></p><p><b>Generic Accountability</b></p><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><p><b>
Job Specific Accountabilities</b></p><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><br>
<b>
Qualifications</b><p><b><br>
Minimum Qualification</b></p><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><p><b>
Minimum Experience &amp; Skill Set</b></p><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>

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