Manager- Commercial Banking

Join the UAE’s largest bank and one of the world’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 & dynamic industry. 

To support the Area Manager & Relationship Managers to grow a portfolio of profitable Trade & Working capital and CREF customers in defined geographical markets in pursuit of specific sales, service, growth and opportunity targets.

• Credit analysis, anlaysing audited financials and preparation of Credit Proposals.
• Onboarding and monitoring support for acquisition and management of Discretionary Lending customer portfolio for assigned Relationship Managers.
• Maintain accuracy on financial spreading and quality analysis and turnaround credit proposals within benchmarked timeframes.
• Follow-up on origination and execution of customer transactions.
• Follow all relevant departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.
• Demonstrate compliance to organisation’s values and ethics at all times to support the establishment of a value drive culture within the bank.
• Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes and practices considering global standards, productivity improvement and cost reduction.
• Assist in the preparation of timely and accurate statements and reports to meet department requirements, policies and quality standards.
• Assist the Relationship Managers with miscellaneous administration of the client portfolio ensuring all documentation and customer files are maintained in accordance with bank’s policies and procedures.
• Extract and analyse financial statements, cash flow forecasts and other complex financial reports, providing accurate assessments and preparation/recommendation of detailed credit submissions, including identification of key risks and mitigants.
• Be highly alert to cross-sell opportunities identified by accessing clients’ needs in order to develop strong relation with the customer and refer to appropriate specialists (Trade Finance, Cash Management and Treasury) for selling different products to the customer.
• Provide excellent client service by attending to client queries, ensuring all queries are responded to in a timely and professional manner and in keeping with established service standards.
• Support improvement of the relevant customer service / customer satisfaction outcomes for the portfolios.
• Greet and orient the clients in products and services of the bank.
• Execute relevant financial transactions for clients in line with service quality standards and bank policies and procedures.
• Ability to identify an acceptable level of lending risk, in line with bank’s risk appetite statement, and to maximise profit from that transaction.
• Accountable for maintaining high data quality standards by ensuring information captured in the Bank’s systems and documentation are correct and maintained in a timely manner.
• Understand access channels (i.e. Corporate Internet Banking, Phone Banking, etc) to proactively educate clients on access options.
• Collaborate with peers in the bank to ensure effective support and service delivery.
• Provide support and information to accomplish individual and team sales goals.
• Generate internal and external reports for checks on prospect and existing customers.
• Perform any other business task requested by the line manager.

Minimum Qualification

• Bachelor’s degree in business administration, Finance, Banking or a related major field of study is preferred.

Minimum Experience

• 5 years’ relevant experience in the Corporate, Commercial or Business Banking with at least 3 years in similar positions of progressively increasing responsibilities in the support function.