Relationship Manager Full-time Job

Key Accountabilities of the role

Relationship management

Manage assigned portfolio of focus relationships (~10 for Large Corps, ~25 for Middle Market Corps and ~20 for Government)

Achieve financial targets assigned in line with portfolio handled (e.g. total revenues, revenue from treasury products, revenue from cash management, RORC, etc.)

Ensure regular interaction with clients to address any banking/financial needs and increase ADIB share of wallet

Conduct joint client calls with product partners (CFIB, Treasury, GTS) as per the account plan to identify opportunities to deepen relationship

Work closely with customer service unit to ensure that clients’ day to day transaction needs are addressed

Risk management & credit analysis

Assume responsibility for credit risk and day to day management of own portfolio

Conduct due diligence in preparing credit applications including screening against TM & RAC and prepare green light memos for CRT

Structure facilities that comply with ADIB’s credit policy with adequate security/collateral, terms and conditions and profitability (ROA, RORC) in line with thresholds

Negotiate internally and with clients for closure of deals

Ensure fulfilment of all required documentation (incl. insurance) as per the banks credit policies and procedures

Ensure all deferred documentation is obtained on time

Continuously monitor overall performance of company and its industry through the calling process

Execute annual renewals of facilities on time

Monitor and track assigned portfolio on a dynamic basis to recognize problem credits early

Build sector expertise

Understand market and business trends

Develop sector expertise: understand economics of industry, key levers and key products to offer

Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis

Nvestment arm, the bank works to promote financial literacy and entrepreneurship programs, which target local talent and aspiring entrepreneurs around the world, including the UAE. In this context, the bank had forged successful partnerships with top academic institutions such as Higher Colleges of Technology, the University of Dubai, Abu Dhabi University, Sharjah Women's College, Ittihad University and Emirates Institute of Banking and Financial Studies in the past 15 years to help develop local banking talent. Most recently, Citi Foundation has partnered with Amideast, Education for Employment (EfE), Injaz Al-Arab. As part of its commitment to the Paralympic Movement globally and within the UAE, Citi sponsored the 2019 World Para Athletics Championships in Dubai.In 2020 Citi UAE contributed 50,000 USD to UAE 10 million meals initiative from The MBR Humanitarian and Charity Establishment .The charity will use the funds to provide 20, 000 meals to communities affected by COVID-19 outbreak in the UAE, as part of the biggest food drive in the country. 10 million meals campaign enables institutions to make in kind and financial donations towards providing meals to low income families throughout the month of Ramadan