Assistant Relationship Manager - Assets (UAE Nationals)

As an Assistant Relationship Manager at Emirates NBD, your role is to support the Business Banking Relationship Managers in managing a growing SME portfolio by preparing credit proposals, conducting financial and risk analysis, and coordinating the end-to-end credit approval and documentation process. You will play a key role in improving turnaround time, strengthening portfolio quality, and ensuring customers receive timely support across Business Banking products and services.

Key Responsibilities: 

• Prepare full credit proposals, including business risk analysis, financial analysis, economic and industry risk assessment, and clear identification of strengths and weaknesses in proposed facility packages.
• Support Relationship Managers by conducting comprehensive financial statement analysis and recommending corrective actions where required.
• Prepare regular analysis reports on the financial performance of designated corporate entities and recommend appropriate credit decisions.
• Follow up with clients and Credit Administration to complete security and lending documentation until facilities are booked, including fulfilment of required documents, collaterals, and conditions precedent.
• Coordinate with the Risk Department on credit approvals, resolve related queries, and support presentations to the Lending Approval Committee.
• Manage renewals and enhancements for existing customers by obtaining required documents in advance and submitting credit proposals before limit expiry.
• Act as an intermediary between customers and internal departments, including Treasury, Trade Finance, Legal, and Credit teams, to resolve operational queries and support timely customer solutions.

Skills and Experience 

• Graduate qualification is essential; postgraduate qualification with a financial specialisation is desirable.
• 5–7+ years of banking, SME, corporate banking, or credit analysis experience, including 2 years in a credit support or credit analysis function.
• Strong knowledge of banking products, services, credit systems, Business Banking facilities, and relevant compliance and operational risk policies.
• Ability to conduct financial analysis, identify risks in credit proposals, understand market and industry trends, and prepare professional credit proposals, reports, memos, and spreadsheets.