Associate Relationship Manager

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 bank’s requirements

Attend client calls/meetings in conjunction with the RM/Division Head in relation to the client’s 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 etc. in a timely manner

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 ADIB’s share of wallet

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

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 documented capturing 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

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