Senior Relationship Manager
Commercial Bank Of Dubai
Total years of experience :0 years, 0 Months
Professional management & maintenance of corporate clients’ relationships, being senior
representative of the bank in coordination with Head of Corporate & Commercial of Attijari Al
ISlami - CBD.
• Prepare and achieve the planned business strategy and targets i.e. growth assets, liabilities, Trade, Fx
revenue growth.
• Maintain and manage an assigned portfolio with exiting Corporate & Commercial clients to retain and
grow their banking relationship with CBD - Attijari Al Islami in line with business growth targets.
• Identify, Solicit and acquire new Corporate & Commercial clients in line with approved corporate
banking strategies.
• Negotiate appropriate credit lines in conformity with bank’s underwriting standards and risk adjusted
targets after thorough analysis of information necessary for preparation of detailed credit proposal.
• Making regular visits to clients for both monitoring and business generation.
• Conduct account planning with client services members for cross celling purpose and ensure increase
our share of clients’ business wallets.
• Establish effective & professional communication (both internal & external) to ensure turnaround
time within designated parameters and higher client satisfaction levels.
• Manage a team of Relationship officers, set agree and measure annual targets, provide professional
advice, guidance, training and motivation to enhance potential & capabilities and hold their
performance review.
• Ensure timely and accurate credit administration through timely completion of annual review and
regular monitoring of financials, covenants within review cycle.
• Comply with internal audit requirements in line with the policy guidance, to ensure high standards of
uniformity and consistency a cross the bank.
• Keep abreast of developments in the local business environment to spot business opportunities
• Develop a strong level of local contacts with local business and financial institution community.
Corporate Banking Group- H.O, Sharjah & Northern Emirates
* Credit portfolio Management. Manage and monitor a corporate credit portfolio size of AED 1.5B in
term of approved line of facilities (funded & Non-funded limits), ensuring that the portfolio remains
regular at all times, and the earning from each relationship are maximized. Average Clients annual
turnover under the portfolio is AED 450M with biggest client’s turnover of AED 1.8B.
* Business Development: develop business from existing and new corporate clients with and to keep
a close contact with customers to understand their business needs and to keep seniors timely
updated so as augment volume of business and adjust bank’s business strategy for each account on
a case to case basis to better protect bank’s interest.
* Manage Operation and administrative team: To supervise, guide SRO, RO to discharge their duties
smoothly. This evolves relevant duties to credit analysis, operations and credit administrations
Origination &Client Coverage
Head office, Dubai.
* Pro-actively help in the team establishing, develops and maintains a portfolio of large corporate
clients ensuring that new relationships or ongoing requirements of existing clients attain maximum
revenue within acceptable risk profile requirements by carrying out detailed financial analysis of the
client accounts and develops proposals within defined Bank procedures and often creates structured
trade finance and treasury transactions and facilities using analytical and constructive thinking with a
large degree of evaluative judgement to meet the client needs.
* Markets to large existing and potential clients the full complement of Islamic products and services
offered by the Bank, including Treasury and International Private Banking and promotes within
Standard Chartered Group opportunities by referring potential relationships to other countries in
order that SCB may benefit on a Group basis
* Monitors market and competitor activities and strategies to ensure that opportunities for new
business and not overlooked and SCB market share retained.
* Identifies through account management potential defaulting accounts and investigates through
closer management of the account cause for concern and recommends to the Unit Head appropriate
remedial action.
* Manages defaulting accounts by devising an account management strategy e.g., period, suspension
of interest, recovery of full debt and then implements the plan with the assistance of external bodies
and agencies e.g. police and courts thus minimising losses to the Bank.
July 03- May08: Abu Dhabi Islamic Bank
CBG- Dubai &NE.
Credit Analyst /Initiation -Commercial & Corporate.
To manage & maintain branch's commercial & corporate portfolio to achieve the branch’s budget,
this includes maintaining Customers’ Relations, Credit Analysis, and Documentation & Operations, all
by performing the following:
Handling various customer credit proposals, prepare
spreadsheets, and relevant credit package.
Perform complete credit analysis and evaluation of
corporate & commercial proposals, provide detailed
financial analysis, carry out feasibility studies, risk and
return
Interfacing bank's clients (commercial, corporate
and some VIP personal), Handling of Marketing visits
to existing and potential customers.
Ensure monitoring and follow up of approved lines,
documentation deferrals, facility expiry and maintenance
of credit files and maintenance and all other corporate
and commercial finance administrative jobs.
Ensure that Credit Policies and Regulations are
implemented.
Edgo group is Multinational Holding Company, dealing with oilfield services and equipment,
working as well as having their own repairs and maintenance facilities. Edgo group consists of
over 25 entities in Middle East, North African and Arabian Gulf in addition to regional office in
London and Lebanon.