Relationship Manager - Business Banking

Role:
Relationship Manager
- Business Banking

Location:

Abu Dhabi, United Arab Emirates

Industry: Banking

Function:
Account Management-Non-Commissioned

Experience:

Minimum 5 years

Job Type: Full-time

Position Overview

Relationship Manager
- Business Banking in Abu Dhabi, United Arab Emirates is a Banking opportunity focused on growing corporate and commercial financing relationships, increasing portfolio profitability, preparing credit applications, and delivering customer-focused financial solutions. This role is suited for a commercially driven banking professional with strong sales discipline, credit analysis capability, SME banking knowledge, and the ability to build trusted relationships with borrowing clients, suppliers, buyers, and business prospects.

Country:
United Arab Emirates

City:
Abu Dhabi

Industry: Banking

Function:
Account Management-Non-Commissioned

Salary:  Estimated salary range based on similar jobs in the job city; please confirm the final offer with the employer.

Gender: Any

Candidate Nationality:
Any

Job Type: Full-time

The Relationship Manager
- Business Banking will manage and develop a portfolio of corporate and commercial financing customers while supporting revenue growth, credit quality, limit utilization, and customer retention. The role requires a balanced focus on relationship depth, new business acquisition, credit application quality, risk monitoring, cross-selling, and service turnaround. The selected candidate will work closely with credit, credit administration, customer service, trade finance, global transaction banking, foreign exchange, and other internal teams to structure banking solutions that match customer needs and bank policies.

• Increase the depth and breadth of relationships with existing business banking customers through active portfolio management and regular client engagement.
• Grow sales volumes, market share, and quality business within the assigned corporate and commercial banking segment.
• Improve utilization of approved limits by identifying customer funding needs and supporting effective use of banking facilities.
• Source new borrowing relationships by leveraging existing customer networks, suppliers, buyers, referrals, and market leads.
• Develop and manage the assigned portfolio for corporate and commercial financing with a focus on profitable and sustainable growth.
• Provide customers with accurate and timely information on banking products, financing solutions, trade finance, real estate finance, and working capital options.
• Actively follow up on sales leads and business prospects within designated market segments.
• Plan visits to existing and prospective clients in coordination with global transaction banking, foreign exchange, and product teams.
• Identify cross-sell opportunities and forward suitable leads to relevant departments across the bank.
• Prepare credit applications, analyze financial statements, conduct due diligence, and submit complete credit packages for approval.
• Ensure credit applications for new clients and renewals for existing clients are prepared in line with bank policies, procedures, and regulatory requirements.
• Assess business and financial risks by reviewing company performance, competitive position, industry conditions, management quality, and financial profile.
• Identify early warning signals in account conduct and coordinate timely action for overdue loans or deteriorating relationships.
• Proactively manage assigned portfolio risk by ensuring timely account renewals within approved service standards and documentation requirements.
• Align facility structure, pricing, and proposed limits with customer needs while maintaining compliance with business banking guidelines.
• Monitor MIS reports related to foreign exchange, trade working capital revenues, facility utilization, and portfolio profitability.
• Seek opportunities to increase revenue margins while maintaining responsible customer relationship practices.
• Coordinate with customer service groups and processing units to ensure service standards and turnaround times are met.
• Discuss credit packages with credit teams and approving authorities when clarification or additional structuring input is required.
• Maintain close working relationships with Credit Division and Credit Administration to support smooth approval, documentation, and facility activation.
• Review credit analysis and add strong qualitative comments to improve the quality of…