Associate Vice President Contracting & Real Estate - Emirati Talent

Job Purpose

Reporting Relationships

Portfolio & Risk Management

• Oversee and continuously monitor the credit quality of the assigned portfolio, ensuring timely risk recognition and accurate risk rating for each relationship.
• Maintain a high-quality portfolio with zero or minimal credit losses through proactive risk mitigation and ongoing review.
• Take ownership of portfolio decisions, including restricting or exiting client relationships to safeguard asset quality and manage risk exposure.

Business Development & Growth

• Develop and execute strategic marketing plans to identify and acquire corporate relationships within approved industry segments.
• Drive sustainable growth across Assets and Liabilities while maximizing profitability and achieving target market share.
• Stay proactive to market changes, provide competitive intelligence and identify emerging business opportunities.

Client Relationship Management

• Lead and manage a portfolio of corporate clients, ensuring strong engagement, responsiveness, and high levels of client satisfaction.
• Oversee portfolios handled by Relationship Managers, ensuring alignment with business objectives and portfolio quality standards.
• Ensure optimal portfolio sizing, composition, and diversification in line with guidance from the Team Leader.

Credit & Transaction Management

• Coordinate closely with Credit Risk Management and relevant divisions to address queries and facilitate timely processing of credit proposals.
• Prepare and review credit packages, particularly in the absence of Relationship Officers or Credit Analysts.
• Ensure all client documentation is accurate, valid, and compliant throughout the lifecycle, including onboarding.

Governance, Compliance & Controls

• Ensure strict adherence to regulatory and internal compliance requirements, including transaction monitoring, AML, sanctions, and counter-terrorism financing controls.
• Act in the best interest of the organization by identifying and escalating concerns related to client behavior or financial activities.
• Manage and close audit (internal/external) and compliance actions within agreed timelines, ensuring proper approvals for any exceptions.
• Handle regulatory interactions (including central bank and compliance authorities) in a timely and compliant manner.
• Ensure adherence to SOPs, policies, delegation of authority (DOA), and corporate governance standards across all activities.
• Maintain high onboarding standards to ensure strong client quality and minimize early account attrition.

Leadership & Team Management

• Monitor performance of assigned team members, providing coaching, feedback, and development opportunities.
• Support team strategy planning and contribute to overall business direction.
• Act as a delegate for the Team Leader when required, ensuring continuity in leadership and decision-making.

Reporting & Stakeholder Management

• Support senior management with relevant reports, insights, and portfolio analytics.
• Collaborate with internal stakeholders to enhance efficiency, resolve issues, and improve client experience.

General

• Undertake additional responsibilities as assigned by management in line with the scope and seniority of the role.

Education

• Bachelor’s degree in Statistics, Accounting, Finance, or a related field.

Experience

• Minimum 8 years experience in corporate banking, preparing proposals, performing customer analysis, developing and implementing marketing plans, handling a wide range of issues pertaining to credit proposals, reviewing, managing assigned portfolio and employees.
• Other Skills Required for the Job:
• Strong analytical and problem-solving skills
• Excellent verbal and written communication skills in English & Arabic
• High attention to detail and accuracy
• Strong clients focus and relationship management skills
• Collaborative team player with the ability to influence and support team objectives