Senior Relationship Manager - Commercial

Abu Dhabi Islamic Bank (ADIB) - Egypt

Egypt

Ref: NP438-20

Job description / Role

Employment: Full Time

Managing a large portfolio in Commercial Banking Unit, marketing & soliciting new relationships in-order to achieve predetermined objectives, with coverage of Cairo and other governorates in Egypt (excluding Alex and Delta).

- Responsible to screen Proposed Customers against Target Market Plan and Risk Acceptance Criteria, to initially identify ADIB EGYPT credit risk appetite for obligors and setting the facility structure, subject to Business and Risk Management approvals and the Wholesale Bank Policy.
- Furnish / update the Business Analyst with client information, financial statements, and relevant data, for the different types of CA reviews (Annual, Initial, Interim etc.).
- Review/Approve extensions of credit (for Credit Officers) and ensure that the data within these extensions of credit are accurate and that they are designed with the appropriate requested facility package and all credit risks are properly addressed.
- Ensure that the extensions of credit are consistent with the relationship profile and endorsing the risk/reward balance.
- Ensure appropriate obligor / facility risk ratings in line with the risk ratings Policy of the bank.
- Maintain regular contacts with customers to sort any internal/ departmental issues with immediate action, supporting CSU Service Unit to serve customers in the best way, as per approved SLA.
- Take an initiative towards problem solving and ensure sorting-out up to customers satisfaction.
- Conduct periodic client calls / site visits and document client calls with the frequency indicated in the Credit Analysis section.
- Maintain customer loyalty and promote brand identity by providing excellent customer service via regular updates and reviews on banks range of financial products as well as customers financial needs.
- Provide quality service to clients and closely follow up and ensure the processing of all requests (new facilities, increase of existing facilities, amendments, waivers, operations requests etc) up to their satisfaction duly within SLAs without deviation.
- Prepare target list of potential relationships.
- Frequently, conduct marketing calls to screen the market and approaching potential relationships.
- Identify expansion opportunities with existing clientele base to achieve portfolio growth.
- Continually monitor practices of competition and report findings to Unit & Department Heads.
- Provide product specialists with qualified referrals for cross-sell. Responsible for overall parent relationship management and providing a wide range of treasury, cash management, trade and corporate finance products and solutions.
- Cross reference of business opportunities to other relevant lines of business
- Proactive consultation with Business and Risk Management, especially on early problem recognition.
- Closely monitor Past Dues Report, and take any required action, after consulting with Unit Head and/or Wholesale Bank Head

Requirements

- (6-8) years work experience in a corporate banking environment.
- A good understanding of the general, economic, political and business environment of the region will be a plus.
- University/College Degree
- MA or MBA (beneficial)
- Islamic banking knowledge
- Core Credit Course.

About the Company

In 2010, ADIB had introduced its new brand identity as a symbol of a new promise. For two years, we’ve conducted extensive research to identify ways to better meet your needs. You wanted banking to be simple, sensible and transparent, making everybody feel at home and respected. You wanted a bank that would be on your side, one that worked as if your success was the source of its own success.

You are seeking a bank that can deliver unique solutions because it is guided and inspired by the timeless rules and principles of Shari’a. These are the core pillars of the banking we want to deliver to you: Banking as it should be.

We have worked hard to implement these simple but powerful promises in the way we do business. We have introduced a number of new offerings and improvements already. We simplified a number of processes – from the way we open accounts to the way we deliver financing solutions. We have brought ADIB closer to you by rapidly expanding our network to 70 branches and 460 ATMs. We have extended branch opening hours in our in-mall branches and introduced a 24-hour branch at the Abu Dhabi Airport. We have launched an upgraded version of e-ADIB Internet Banking that is safer and more convenient. We have launched numerous products and services. But what won’t change is our priority, which remains your satisfaction.

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