Relationship Manager- Business Banking
Job Type Full Time
Job Field Banking
Deliver the revenue and balance sheet targets assigned by identifying and maintaining target customers/ customer segments within each catchment area
Manage the profitability of product portfolios and customers as well as improve the profitability through increased fee income generation
Ensure the overall credit quality of the asset book within acceptable limits
Review the overall portfolio in a timely manner and recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risks to an acceptable level.
Obtain audited financial statements, analyze and recommend credit proposals of potential borrowers to the approving authority to meet financial objectives.
Maintain complete control aspects i.e., documentation, periodical customer visits / call reports, expires on monthly manner in order to monitor the assigned portfolio effectively and to ensure all statutory and controls for the business processes
Manage assigned relationships to ensure satisfactory account conduct and early ratification of various credit related issues.
Undergo an annual review process on the assigned portfolio to maintain strict credit discipline.
Identify the segment target market to broad – base the portfolio and pursue growth opportunities towards on boarding of the new clients
Ensure high performance culture and delivery of professional and quality customer service
Monitor customer complaints, approaching complainant personally where required to ensure prompt resolution
Ensure follow ups on exception report with regard to returned Cheques and call for explanation from customer where necessary.
Ensure follow ups on deficiency reports.
Ensure timely & accurate submission of regular & adhoc management reports
Ensuring all portfolio monitoring/management processes & measures are undertaken regularly and on an on-going basis and all credit files are properly maintained with a view to achieving good audit rating
Bachelor’s Degree in Business Management/ Finance/ Accounting/ Economics/ Marketing or equivalent
Additional Desirable Qualifications:
Certification or Degree or Diploma in relevant area
Credit knowledge and marketing skills
Functional Policies and Procedures
Relevant Product Knowledge
Knowledge of banking practice and theory and bank’s credit policy and operating systems
Compliance and Regulatory requirements knowledge for each of the products
Work Experience :
Minimum 5 years’ experience in banking, with at least 2 years in managing medium-large commercial portfolio at senior levels in well-established and recognized financial institutions.
Problem solving skills
Foundations & principles of Islamic finance
MODE OF APPLICATION
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About Dubai Islamic Bank
Dubai Islamic Bank has the unique distinction of being the world’s first full Islamic bank, a pioneering institution that has combined the best of traditional Islamic values with the technology and innovation that characterise modern financial institution. Since its formation in 1975, Dubai Islamic Bank has established itself as the undisputed leader in its field, setting the standards for others to follow as the trend towards Islamic banking gathers momentum in the global arena. Islamic banking and finance is now one of the world’s fastest-growing economic sectors that comprise more than 400 institutions with assets under management in excess of US$ 1 trillion (US$1,000 billion). The bank remains true to its roots as a customer-centered organisation where close personal service and understanding form the basis of all its relationships. Tradition and heritage join with a commitment to flexibility, innovation and modernity, so that customers of every nature are provided with comprehensive solutions to all their financial needs.