JOB PURPOSE
Focusing on Large Corporates (Sharjah & Northern Emirates), the role purpose is to take a hands-on approach to client management, and to lead and manage a team in acquiring new clients and managing existing client relationships in line with agreed policies, procedures and risk appetite in order to achieve targeted growth and secure profitable business transactions for the assigned area.
ACCOUNTABILITIES
New Client Acquisition:
* Acquire new clients, conduct financial analysis and submit accurate credit applications while ensuring an excellent on-boarding experience in order to achieve assigned acquisition targets and achieve the desired growth in portfolios
Portfolio Management:
* Offer existing clients new solutions, enroll clients for alternate channels and value added services to increase transaction volumes and grow the assigned portfolio
Relationship Management:
* Review client dossiers to ensure capture current and future needs, identify and respond to customers’ requirements and ensure complaints are resolved within agreed turnaround times to build and maintain long-term relationships
Risk Management:
* Conduct client visits, understand and report on risk profile and highlight/ update approving authorities with any changes to enable necessary action to be taken
Financial Analysis and Credit Assessment:
* Conduct analysis on clients’ financial health and needs as well as their industries/ markets on regular basis in order to identify lending, selling, and cross-selling opportunities and improve ADCB’s profitability
* Conduct credit assessments/ appraisals and coordinate the processing of approved credit requests for new clients to ensure a quality and timely credit utilisation process
Cross Selling:
* Cross-sell various products of ADCB’s portfolio such as corporate finance, project and structured finance, transaction services, debt markets, treasury and Islamic banking products to existing client based on their requirements in order to contribute to the increase in product penetration and wallet share of the existing clients
People Management:
* Manage self and team in line with ADCB’s people management policies, procedures, processes and practices to ensure adherence and to maximise own and employee contribution to business performance
* Organise and supervise the activities and work of the team to ensure that targets and objectives are achieved and the business plan is delivered in line with the required policies, processes, procedures and systems
Policies, Processes, Systems and Procedures:
* Implement approved departmental policies, processes and procedures, and ensure employee adherence so that work is carried out to the required standard while delivering the required standards of service to customers and stakeholders
Continuous Improvement:
* Manage and motivate the team to ensure they contribute to, and participate in, the identification and implementation of change initiatives, programmes and projects in line with the bank’s standards Minimum Experience:
* At least 7 years of experience managing relationships and a portfolio of Sharjah & NE clients (Large Corporates) in the banking sector
Minimum Qualifications:
* Bachelor’s Degree from a recognized university, with a concentration (preferably) in Business Administration, Accounting or Finance
Knowledge and Skills:
* Balance Sheet Analysis
* Key Financial Ratios Founded in 1985, ADCB employs more than 4,000 staff from 62 nationalities, serving over 600,000 retail customers, and approximately 50,000 corporate and SME clients. The bank operates in 48 branches, 4 pay offices, 2 branches in India, 1 branch in Jersey and a representative office in London. By the end of March 2015, the total assets of ADCB amounted to AED 207 billion.
ADCB is a full-service commercial bank that offers a wide range of products and services including retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, foreign exchange, interest rate, currency derivatives, Islamic products, project finance and property management services.
ADCB is 58.08% owned by Abu Dhabi Investment Council, the investment arm of the Government of Abu Dhabi. The banks shares are traded on the Abu Dhabi Securities Exchange. By the end of March 2015, excluding treasury shares, ADCBs market capitalization was AED 34 bn
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