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 Institutional banking relations, in coordination with the Head of Institutional Banking.

Principal Accountabilities

Maintain & manage an assigned portfolio with existing Institutional clients to retain & grow their banking relationships in a profitable manner and in line with assigned business growth targets.

Identify, solicit and acquire new Institutional clients in line with approved Institutional strategies for Assets, Liabilities, Trade and Treasury Sales.

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.

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 to Institutional clients to ensure multi-product relationship and greater Share of wallet. Facilitating other lines of business in exploiting business opportunities through referrals to Wealth/Consumer Banking.

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 administration through timely completion of annual reviews and regular monitoring of financials, covenants and other parameters within the review cycle.

Manage a team of Support 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

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

Develop a strong level of local contact with the local business and financial institutions community.

Education and Experience:

Degree in Economics or Finance or Business Management / CFA / CA

5 to 7 years of experience in Institutional banking with 3 to 5 years of exposure to Institutional Banking in the UAE ( Preferably covering Manufacturing clients). Ideally incumbent should have had exposure to one or more emerging markets.

Commercial acumen and ability to prepare plans and strategies are essential.

The ability to forge close relationships with external constituents as a senior representative of the bank.