Senior Relationship Manager, Institutional Banking

Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.

CBD has been recognized as the number one bank in the UAE on the Forbes list of The World’s Best Banks 2022.

As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers - and delivering service that really goes the extra mile.

Job Purpose:



Professional management & maintenance of Government Related Entities client relations, growing the GRE book for CBD. Work done in coordination with team Head and Assistant Relationship Mangers/Relationship Officer

Principal Accountabilities:

Manage, maintain and expend a portfolio of GREs. Ensure risk intake is properly managed, optimizing returns, cross-sell and relationships are cultivated to maximize contributions to CBD in support of the team’s growth targets.

Identify, solicit and acquire new New to Bank clients in line with approved corporate strategies for Assets, Liabilities, Trade and Financial products to meet given sales targets.

Negotiate appropriate credit lines in conformity with the Bank’s underwriting standards and risk adjusted targets after thorough analysis of information necessary for the preparation of a detailed credit proposal, and execution for all kinds of securities (Asset, Shares and Bonds).

Seek credit-mitigating solutions to mitigate risk or improve RoE on client / transaction basis where applicable and have the ability to structure and arrange structured transactions.

Making regular visits to clients for both monitoring and business generation purposes. Such visits to be recorded by way of call reports which are to include all pertinent information in a timely manner.

Conduct account planning with Client Service Team Members & cross selling other products & services including introduction of investment portfolios to corporate clients to ensure multi-product relationship and greater Share of wallet. Facilitating other lines of business in exploiting business opportunities through referrals.

Establish effective & professional communication (both internal and external) to ensure turnaround time within designated parameters and higher client satisfaction levels.

Ensure timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, financial covenants and other parameters within the review cycle.

Manage a team of Relationship Officers, set, agree and measure annual targets, provide professional advice, guidance, training & motivation to enhance their potential & capabilities to hold higher responsibilities, and conduct their performance reviews.

Comply with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank. Comply with and adhere to all relevant regulatory and Central Bank requirements and uphold the highest professional standards.

Keep abreast of developments in the local and regional business environment to spot business opportunities. Contribute to the planning process in order to develop corporate business strategies.

Develop a strong level of contacts with the relevant target business and financial institutions community.

Requirements

Education and Experience:

Minimum Bachelor Degree in Economics or Finance or Business Management or Engineering. 

9 – 10 years of experience in corporate banking with minimum 5 to 7 years of exposure to the GRE / Large Corporate