Role : Associate Relationship Manager
Location : Abu Dhabi
Role Purpose:
- Support the Division Head and RMs in the overall maintenance of the assigned relationships within a Division – including but not limited to preparation of credit approval packages, AC memos, Credit Round Table ‘CRT’ discussion materials, credit file maintenance, supporting the lead RM on business growth and operational matters
- Conduct thorough financial analysis and assess credit requests, including new requests, changed requests, refinancing and annual due diligence reviews
- Obtaining and updating the banking standards such as compliance clearance, documentation checklist, call reports etc.
Key Accountabilities of the role
Business Proposition and Credit analysis:
- Support Division Heads and RMs in the review and preparation of credit approval packages, AC memos, Credit Round Table ‘CRT’ discussion materials etc. and ensure the same are completed as per the bank’s requirements
- Attend client calls/meetings in conjunction with the RM/Division Head in relation to the client’s banking requirements
- Work closely with the product partners – CFIB, GTB and Treasury on maximizing potential cross sell opportunities within a relationship
- 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
- Verify the accuracy and quality of information (both qualitative and quantitative) provided by the client
- Carry out initial market checking and monitor credit worthiness of obligors/counterparties including search for negative press articles, rating agencies.
- Liaise with Risk in relation to the credit approval packages such as responding to queries and comments from Risk Management etc.
- Prepare necessary security and other documents in liaison with Legal & Sharia departments
- 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
Relationship Management
- Achieve financial targets assigned in line with portfolio handled (e.g. total revenues, revenue from treasury products, revenue from cash management, RORC, etc.)
- Ensure regular interaction with clients to address any banking/financial needs and effectively increase ADIB’s share of wallet
- Work closely with customer service unit to ensure that clients’ day to day transaction needs are addressed to the customers’ satisfaction
Process Implementation
- Track review dates, and ensure all facilities are renewed/deferred on a timely basis
- Ensure consistency, accuracy, quality, and integrity of all proposals/memos
- 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
- Maintain and reconcile the credit files and identify discrepancies and variances
- Ensure complete adherence to all KPIs (Turnaround time (TAT), Credit package quality, Review dates, etc.)
- Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis
Compliance
- 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
- Ensure satisfactory internal and external audit ratings
Specialist Skills / Technical Knowledge Required for this role:
- Strong analytical skills, including ability to perform data analysis, financial & credit analysis, presentation skills, etc.
- Knowledge of Credit Policy & Procedures
- Attended relevant credit training
- Customer skills and ability to prioritize and manage multiple tasks
- Customer orientation, communication, quality orientation, teamwork, adaptability, technical knowledge, influencing & negotiation skills, information gathering and problem solving
Skills Required
- Strong analytical skills, including data analysis, financial analysis, credit analysis, and presentation skills
- Knowledge of credit policy and procedures
- Completion of relevant credit training
- Customer skills and ability to prioritize and manage multiple tasks
- Customer orientation, communication, quality orientation, teamwork, adaptability, technical knowledge, influencing, negotiation, information gathering, and problem-solving skills
What We Do
Abu Dhabi Islamic Bank, A Public Joint Stock Company, is a leading Islamic bank headquartered and listed in Abu Dhabi- UAE with a purpose of being a lifelong partner for customers, colleagues and community. Over the last two decades, ADIB has demonstrated a consistent track record of growth with assets now totaling USD 34 billion. The bank currently serves more than 1 million customers through a balanced proposition that combines a highly-personalized customer experience with world-class digital banking services. ADIB is a full-fledged financial service provider that offers banking solutions for individuals, corporates and affluent customers. In addition, the wider ADIB Group provides brokerage, real estate and property management, payments and insurance services. ADIB has one of the largest distribution networks in the UAE with more than 60 branches. Internationally, the bank has a presence in six strategic markets - Egypt, , the Kingdom of Saudi Arabia, the United Kingdom, Qatar, Sudan and Iraq.
