Relationship Manager – Corporate Banking (Wholesale Banking)

About The Role

Business Development

• Acquire new Mid-Corporate and Large Corporate relationships.
• Develop and execute business development strategies to grow the Corporate Banking portfolio.
• Build a strong pipeline of new lending opportunities.
• Meet assigned portfolio growth, revenue, and profitability targets.

Relationship Management

• Manage an assigned portfolio of Corporate Banking clients.
• Develop long-term relationships with CFOs, Finance Directors, and business owners.
• Understand customers' financing needs and recommend tailored banking solutions.
• Deliver exceptional client service while maintaining long-term relationships.

Credit Origination & Structuring

• Conduct financial analysis and credit assessment of corporate clients.
• Structure credit facilities aligned with clients' business requirements.
• Prepare detailed credit applications and investment memorandum.
• Present lending proposals to Credit Risk and Credit Committees.
• Coordinate with Credit, Legal, Operations, and Risk teams through the approval process.

Product Coverage

• Working Capital Facilities

• Term Loans
• Trade Finance
• Project Finance
• Contract Finance
• Structured Finance
• Treasury Products
• Cash Management
• Bank Guarantees
• Letters of Credit

• Supply Chain Finance

• Corporate Deposits

Portfolio Management

• Monitor portfolio quality and credit performance.
• Conduct annual credit reviews and periodic client visits.
• Monitor covenant compliance and financial performance.
• Identify early warning signals and manage portfolio risks.

Cross-Selling

• Work closely with internal product partners to deliver:
• Treasury Solutions
• Transaction Banking
• Cash Management
• Trade Finance
• Foreign Exchange
• Corporate Deposits
• Investment Solutions

Qualifications

• Bachelor's Degree in Finance, Business Administration, Accounting, Economics, or a related discipline.
• Master's Degree, MBA, CFA, CA, FRM, or equivalent professional qualifications are preferred.

Experience

• Minimum 5 years of UAE Corporate/Wholesale Banking experience.
• Current or recent experience as a:

Corporate Banking Officer

• Proven success in originating new Corporate Banking relationships.
• Strong experience structuring corporate lending facilities.
• SME Relationship Managers will not be considered.

Skills

• Strong business development and networking skills.
• Corporate credit analysis.
• Financial statement analysis.
• Corporate lending structuring.
• Negotiation and relationship management.
• Excellent presentation and communication skills.
• Strong understanding of the UAE Corporate Banking market.
• Ability to work in a target-driven environment

Key Performance Indicators (Kpis)

• New Corporate client acquisition
• Lending portfolio growth
• Revenue generation
• Fee income
• Cross-selling ratio
• Portfolio quality
• Customer retention
• Risk-adjusted return on portfolio