|Company Name:||Finance House|
|Employment Type:||Full Time|
|Location:||Dubai & Abu Dhabi|
|Key Role Responsibilities:|
Meet Corporate Commercial Finance objectives as advise by Head-Corporate Commercial Finance.
Their work involves negotiating and networking with all groups that interact with their company and ensuring certain protocols are followed by internal teams in the organization. There are approximately five groups of Relationship Managers. They are:
Business relationship managers
Client relationship managers
Customer relationship managers
Vendor relationship managers
Community relationship managers
Marketing, customer service, data analysis, and supervision responsibilities and excellent at conflict resolution, communication, counseling, reporting and consulting.
Handle designated corporate relationships, including marketing for additional business and annual reviews.
Proactively establish, develop and maintain a portfolio of corporate clients and ensure that new relationships or ongoing requirements of existing clients attain internal profitability benchmarks and are in conformity with lending guidelines.
Achieve strategic annual targets as allocated by line manager.
Handles designated corporate / commercial relationships.
Maximise revenue and customer value from the assigned portfolio.
Proactively establishes, develops and maintains a portfolio of corporate clients ensuring that new relationships or ongoing requirements of existing clients attain internal profitability benchmarks and are in conformity with lending guidelines.
Establishes and develops positive customer relationships by regular customer visits and advising and counseling customers on overall business / specific business requirements.
Contributes to increase profit from an allocated portfolio of corporate clients
Controls effective risk management by evaluating authorizing and recommending credit proposals.
Regular awareness of customer’s business updates.
Identifies and successfully exploits cross-sell opportunities and makes appropriate referrals.
Plan and implement service and sales activities to sell/cross-sell a wide range of products including retail, insurance house, deposits and other allocated products.
Minimize credit risk and loss by ensuring compliance to internal and regulatory requirements.
Ensures credit reviews are completed on time, quality credit assessment are made and early warning sign accounts are identified on time.
Win new strategic client relationships within a selected group of accounts to generate more business.
Regular communication with stakeholders (CRD, Ops, CAC, TF, RF, LH & other if any), clear guidelines to team members and by building an experienced/capable team of RM’s.
Responsible for proactively and reactively researching market and client related aspects and communicating critical findings to line manager in order to pre-empt business risks and opportunities.
Attends conferences, AGM’s and other events as and when required for networking and brand awareness.
Ensure that clients are kept up to date with FH’s related changes influencing them.
Ensure that there is high credibility with strategic clients, through reliability and value contributed to their business.
Responsible for the authorizing credit applications and all other credit related applications.
Identifying and taking ownership of sales leads generated from other parts of the business
Providing centre for information/query handling service point for the portfolio
Liaise with key operational functions to ensure client service delivery to agreed benchmarks
Provide relationship advice and strategy to the client and Finance House senior management.
Partner with Product specialists & credit support to pitch, originate, structure and develop appropriate financing options for identified deals.
Take the lead along with product on pricing and structuring of facilities.\
Conduct due diligence and obtain source documents and information related to the transaction and client.
Obtain source documents from the client for KYC, FATCA, AECB and/or any other required documents.
Desired Skills and Experience
Decision making, analytical, conflict resolution and problem solving skills.
Strong knowledge of loan products and other credit instruments
Excellent interpersonal skills by proven ability to influence and negotiate, to diffuse, remedy and reconcile customer matters.
Excellent customer service skills.
Demonstrate judgment and professionalism skills.
Leadership skills in motivation, development, mentoring and team building.
Ability to take right decision.
A good understanding of Banking Law
Capability to effectively present information and respond to questions from management/CRD
Execution – ability to execute upon views taken or decision made
Complexity- ability to deal with complexity in a diverse environment with multiple stakeholders
Deal with pressure – ability to deal, remain focused and collected under pressure
Management skills – ability to build and motivate a team, providing a vision and roadmap to success
Communication and listening skills – must be attuned and sensitive to the un-tuned views of business stakeholders
Relationship building skills – ability to gain buy-in from keys stakeholders and senior management
Innovative thinking and problem solving skills.
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