Senior Relationship Officer, Corporate Banking ( UAE National )

Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.

CBD has been recognized as the number one bank in the UAE on the Forbes list of The World’s Best Banks 2022.

As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers and delivering service that really goes the extra mile.

Job Purpose:

Maintain good relationships with Corporate clients, and assist RMs in keeping successful, optimal business with them

Principal Accountabilities:

Process renewals and new credit proposals. Process excess and isolated requests for existing customers in timely and professional manner, with minimal involvement from the RM

Ensure timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, covenants and other parameters within the review cycle.

Proficient dealing with customer queries to provide appropriate solutions to enhance the customer satisfaction levels.

Analyse and evaluate information given by the customer such as project reports, feasibility reports, balance sheets, cash flows etc. to structure the credit lines, balancing the risk and reward.

Establish good liaison with customers for their day to day banking requirements and professionally manage security documentation requirements.

Establish effective and professional communication both internal and external to ensure turnaround time within designated parameters and higher client satisfaction levels.

Conduct Customer Visits, Whenever Required For Business Requirements.

Monitor development and progress of Commercial deals and ensure quick action in case of any adverse development.

Comply with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank.

Monitor the Early Warning Signs of deterioration of accounts and ensure to keep high quality of assets.

Service and Quality

Professional quality of credit proposals and internal / external communication, in line with the defined policies and procedures.

Strong autonomy and ability to work independently of RM.

Process excess and isolated requests for existing customers within defined TAT.

Proficient dealing with customer queries to provide appropriate solutions to enhance the customer satisfaction levels

Requirements:

Education & Experience:

Degree in Economics or Finance or Business Management

3-4 years of experience of Corporate/Commercial Banking in a capacity of credit analyst / relationship officer with exposure to Corporate Banking in UAE