Director - Client Relationship
Job Details
Full Job Description
Job Description
Job Purpose:
To build, manage, maintain, and
strengthen the business relationships with clients based in and out of
Bahrain. This is to be achieved through deep understanding of the
clients business and requirements, and through close collaboration
with other stakeholders such as Products Partners, Credit, Legal,
Finance, Ops, Risk, Compliance, and Treasury, etc. Main objectives are
to meet the target revenues for the year at the accepted risk adjusted
returns, and to ensure high client satisfaction and loyalty, while
maintaining top scores for the portfolio credit quality.
Key
Accountabilities
Client Relationship Management & Business
Development
• Originate new business opportunities with target
clients across all banking products
• Articulate the value-add
services/ products and distinguished qualities FAB has to offer to
existing and potential clients
• Work closely with all stakeholders
from Head Office and the International locations to generate business
leads
• Manage the daily interactions with clients and provide
superior service to improve clients experience, grow assets and
liabilities, and maximise FAB s profitability
• Identify & develop
cross selling opportunities and increase the cross-sell ratio with key
clients
• Pitch, review, negotiate and conclude deals
• Develop
and execute Term Sheet, Information Memorandum, financial modelling, &
mandate letter
• Achieve individual and team financial performance
targets
• Examine & resolve credit, market, and operational risk
aspects of the transactions in collaboration with products and
enablement Teams
• Motivate, Develop and Coach team members
•
Maintain the credit quality of the clients relationships within the
Portfolio to an acceptable level set by the Bank s standard
•
Identify early warning signs and take immediate remedial action to
mitigate any potential credit risk
• Ensure that any excesses or
over limit are regularised within a reasonable time
• Ensure
Account Plans are prepared and maintained for all key clients
•
Ensure all clients files /documents are updated and well
maintained
• Ensure all credit reviews are submitted on time and
agreed conditions are met
• Maintain a satisfactory audit on the
portfolio
• Learning & Development Attend appropriate on and off
the job training programs and ensure development and skill upgradation
of team members
• Adhere to process KPI s and, ORM, BCP & Internal
Audit requirements.
Credit Approval
• Collect credit request and
documents from the clients and conduct initial analysis, acquiring and
evaluating new accounts, structuring credit facilities, performing
credit assessment of financial statements, cash flow projections,
periodic credit reviews of the existing accounts and loan
documentations.
• Prepare credit memoranda and other information
relevant for the credit application package of new credit
applications, annual reviews, and ad-hoc applications.
• Ensure the
quality of the credit portfolio is maintained by reviewing proposals
and identifying and assessing all risks inherent in credit
exposures.
Client and Market Analysis:
• Participate in the
financial analysis conducted on clients and their respective
industries/ markets to identify potential opportunities and
risks.
Day-to-Day Activities:
• Assist the Executive Directors
and Business Head in the day-to-day administrative and transactional
activities to ensure continuity of work and the delivery of effective
and high-quality outputs.
• Manage and follow up on KYC and
compliance requirements in order to ensure consistency with the Bank s
KYC and AML policies and regulatory requirements.
Desired Candidate Profile
Qualifications
Minimum
Qualification:
• Bachelor s degree in finance or related
discipline.
• Professional qualification is preferred.
Minimum
Experience:
• At least 10 years of relevant experience in corporate
and commercial banking and client relationship management with
multinational banks, preferably managing a portfolio driven by assets
and liabilities
• Strong knowledge of corporate and commercial
banking product in general under GCF, GTB, & GM
Company Industry
- Banking
- Broking
Department / Functional Area
- Helpdesk
- Customer Service
- Telecalling
Keywords
- Director - Client Relationship
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First Abu Dhabi Bank FAB
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