Assistant Relationship Manager - SME, Islamic Banking

Job description / Role

The candidate would be responsible for sourcing NTB SME working capital business. Jobholder will actively look out for business opportunities in the market; Offer our SME WC product (EC, EBF) to the customer and start the initial discussion and collect documents from customers who are interested and prima facie eligible for a facility

To assist RMs / Business Unit for acquisition of new customers / maintenance of relationship, preparation of Credit Proposals / Memos, track customer facility utilization, repayment and other day-to-day activities of SME Business

To work closely with RMs / Business Unit to assess and manage business risks within the assigned segment / territory, ensuring, proper risk mitigation, proper structuring of facilities, sound financial analysis, quality proposals, & timely formal account reviews, as per the bank approved parameters and policies.

Establish and maintain close liaison between the bank and customers within an assigned territory for the ultimate purpose of selling banks products, by originating, structuring, participating and grouping market financing transactions to achieve preset financial objectives. Achieve profitable business transactions and capitalize on new areas of business opportunity while mitigating risk.


Main Tasks and Responsibilities

Quantifiable.
- Assist Business Unit and RMs in managing and acquisition of SME business relationships
- Income and volumes of sales generated; Number of new acquisitions.
- Increased business from existing customers.
- Number of customer complaints.
- Number and quality of Credit Applications processed.
- Response & turnaround times of customer requests.
- Assigned portfolios limits are valid at all times.

Non-Quantifiable.
- Maintaining high standards of customer service.
- Compliance with ADCB related policies and procedures and
- Business banking standards in structuring & pricing of limits.

Key Results.
- Increased sales volumes / market share in target market.
- Establishment of an efficient customer-focused approach representing a strong competitive edge.

Financial Responsibilities

Performance Objectives and Sales activities
- Set personal sales plan agree it with the team leader and work towards achieving it.
- Achieve assigned personal targets (product/volume/segment) in a consistent and competent manner.
- Establish and maintain a working rapport with customers by providing expertise in identifying their financial needs and the deployment of banks products and services to the fulfillment of these needs.
- Provide customers with accurate and timely information on ADCB products and reveal the benefits affecting their businesses. Keep customers and prospects updated on new products and services.

Risk Management
- Responsible to assess credit risk, set and structure limits.
- Perform analysis to determine credit worthiness and recommend appropriate credit limits.
- Ensure that customer limits are valid at all times.
- Prepare quality Credit Applications appropriately highlighting relevant risks (e.g. market risk, business risk, financial risk) and incorporating suitable mitigates, covenants, and term and conditions.
- Recognize and escalate early warning signals of unsatisfactory account conduct.

Profitability
- Ensure effective utilization of limits in order to maximize profitability.
- Identify loss-making customers and recommend ways to improve their profitability (cross-selling, up-selling or encourage to leave - Exit).
- Recognize early warning signals of unsatisfactory account conduct, and pursue the collection of past due loans.

Customer Service & Service Level
- Adhere to customer service standards set by management.
- Ensure customer-focused approach on transactions at all times.

Risk Management
- Ensure that customers financial needs are properly identified & formulation of written proposals initiated to satisfy these needs with banks products within the general guidelines of Business Banking. Review credit analysis and add high standard qualitative comments.
- Jointly with respective RM/Unit Manager, asses risk and make pertinent recommendations in line with ADCBs applicable policies.

Activities / Operations
- Discuss credit packages with respective line manager and SME Credit authorities if needed.
- Prepare variety of management reports and correspondence including, but not limited to: data reports on activities, results, market acceptance of bank products, market needs etc.
- Establish and maintain a close working relationship with SME Credit Division/Credit Administration.
- Assist RM & Team Leader to prepare Credit Analysis and timely submission of such Credit Proposals

Compliance
- Adhere and comply with ADCBs internal applicable policies and procedures as well as governing regulations issued by concerned authorities.
- Monitor money-laundering activities, and coordinate remedial actions with management.

Administration
- None.

Staff Development
- Share best practices with other peers and colleagues.
- Participate in formal training activities.

Self Development
- Prepare a self-development plan, agree it with the Line manager, and work progressively towards achieving it.
- Seek best practices from other peers and colleagues.
- Attend training sessions as planned by management.

Miscellaneous
- Maintain the stature of the Bank in the community.
- Display ADCB team spirit by supporting other teams in the area and head office as needed.

Requirements

- Bachelors Degree in a relevant subject (business, accounting & finance)

Professional Qualification:
- Masters degree in relevant subjects or Diploma in Banking preferred.

Experience:
- Minimum 3 to 5 years experience of SME banking.

Specialist Skills/Training required for the Job.
- Knowledge on Islamic products is an added advantage.
- Effective communicator in any medium, internally and externally.
- Solid analytical, negotiation, decision-making, and problem-solving skills.
- Excellent interpersonal skills.
- Knowledge of the local market.
- Determined and self-motivated.
- Understands legal structures consistent with different type of businesses.
- Appropriate risk awareness.
- Cultural sensitivity and adaptability.
- Hands on PC skills, especially spreadsheets and core banking systems.

About the Company

ADCB is a full-service commercial bank offering a wide range of products and services such as retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, foreign exchange, interest rate and currency derivatives, Islamic products, project finance, and property management services.