Associate Relationship Manager

Business Proposition and Credit analysis:

• Support Division Heads and RMs in the review and preparation of credit approval packages AC memos Credit Round Table CRT discussion materials etc. and ensure the same are completed as per the banks requirements
• Attend client calls/meetings in conjunction with the RM/Division Head in relation to the clients banking requirements
• Work closely with the product partners CFIB GTB and Treasury on maximizing potential cross sell opportunities within a relationship
• Develop and prepare spreadsheets and perform financial analysis incl. basic financial modeling if applicable and qualitative analysis to support analysis of potential and existing credit applications
• Verify the accuracy and quality of information (both qualitative and quantitative) provided by the client
• Carry out initial market checking and monitor credit worthiness of obligors/counterparties including search for negative press articles rating agencies.
• Liaise with Risk in relation to the credit approval packages such as responding to queries and comments from Risk Management etc.
• Prepare necessary security and other documents in liaison with Legal & Sharia departments
• Liaise with CAD as and when required during preparation of CA packages and ensure all deferred documentations are tracked and obtained on time as well as updating all the banking standards such as compliance clearance documentation checklist call reports a timely manner

Relationship Management

• 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 effectively increase ADIBs share of wallet
• Work closely with customer service unit to ensure that clients day to day transaction needs are addressed to the customers satisfaction

Process Implementation

• Track review dates and ensure all facilities are renewed/deferred on a timely basis
• Ensure consistency accuracy quality and integrity of all proposals/memos
• Conduct client calls at least quarterly and ensure all call memos are appropriately documentedcapturing the contents of the meeting business opportunities credit financial plan etc and ensure theses memos are routed via the requisite systems
• Maintain and reconcile the credit files and identify discrepancies and variances
• Ensure complete adherence to all KPIs (Turnaround time (TAT) Credit package quality Review dates etc.)
• Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis

Compliance

• Ensure that activities are in full compliance of group policies and processes including Sharia requirements Central Bank regulations and other internal Legal and Compliance regulations at all times
• Ensure satisfactory internal and external audit ratings

• Strong analytical skills including ability to perform data analysis financial & credit analysis presentation skills etc.
• Knowledge of Credit Policy & Procedures
• Attended relevant credit training
• Customer skills and ability to prioritize and manage multiple tasks
• Customer orientation communication quality orientation teamwork adaptability technical knowledge influencing & negotiation skills information gathering and problem solving