Relationship Manager – SME Banking (Wholesale Banking)

About The Role

Relationship Manager – SME Banking

Business Development

• Develop and acquire new SME banking relationships across targeted business segments.
• Build a strong pipeline of new business opportunities through networking, referrals, and market prospecting.
• Achieve assigned business development, lending, revenue, and cross-selling targets.
• Promote the Bank's SME banking solutions to new and existing customers.

Relationship Management

• Manage and grow an assigned portfolio of SME clients.
• Develop strong, long-term relationships with business owners and key decision-makers.
• Understand customers' financing requirements and recommend appropriate banking solutions.
• Ensure high levels of customer satisfaction through proactive relationship management.

Credit Assessment & Structuring

• Conduct detailed financial analysis of SME customers.
• Assess business performance, repayment capacity, and financial health.
• Prepare high-quality credit proposals and credit recommendation papers.
• Structure lending facilities in accordance with internal credit policies and risk appetite.
• Coordinate with Credit, Risk, Legal, and Operations teams throughout the approval process.

Portfolio Management

• Monitor portfolio quality and identify early warning signals.
• Conduct periodic client reviews and annual credit renewals.
• Ensure timely submission of financial statements and covenant compliance.
• Manage delinquency risks while maintaining strong client relationships.

Product Coverage

• Working Capital Facilities

• Trade Finance
• Equipment Finance

• Mortgage-backed SME Lending

• Business Loans
• Term Loans
• Overdraft Facilities
• Bank Guarantees
• Letters of Credit

Risk & Compliance

• Ensure all lending proposals comply with the Bank's credit policies and regulatory requirements.
• Maintain strong credit quality across the portfolio.
• Ensure complete and accurate documentation for all approved facilities.

Qualifications

• Bachelor's Degree in Finance, Business Administration, Accounting, Economics, or a related discipline.
• MBA, CFA, CA, CPA, or other professional banking qualifications will be an advantage.

Experience

• Minimum
• 3–5 years of UAE banking experience
• .
• At least
• 3 years in SME Banking or Commercial Banking
• .
• Strong knowledge of UAE SME lending products and credit processes.
• Proven experience in:

• SME Relationship Management

• Business Development
• Credit Analysis

• Credit Proposal Writing

• Portfolio Management

Skills

• Strong relationship-building and negotiation skills.
• Excellent financial statement analysis.
• Credit underwriting and proposal writing.
• Knowledge of SME risk assessment.
• Strong analytical and problem-solving abilities.
• Excellent communication and presentation skills.
• Ability to work independently while managing multiple priorities.

Key Performance Indicators (Kpis)

• New-to-Bank SME acquisitions
• Loan portfolio growth
• Revenue and profitability
• Portfolio asset quality
• Cross-selling of banking products
• Customer retention
• Credit quality and compliance