Thursday, 13 March 2014

Relationship Manager Needed at Dubai Islamic Bank

Job Title:    Relationship Manager - Business Banking
Job Location:    Dubai
Employer:    Dubai Islamic Bank

About Us
Welcome to Dubai Islamic Bank – a Bank that not only gave Islamic banking to the world, but continues to keep the flag flying high. As champions of morality, equality and transparency in everything we do, our establishment reflects the modernity, diversity and growth of the city whose name we share.

Islamic banking and finance is today one of the world’s fastest-growing economic sectors that comprises of more than 400 institutions tasked with managing assets in excess of US$ 1 trillion globally.

Inspite of experiencing exceptional growth since its establishment in 1975, the Bank today remains true to its roots as a customer-centered organisation, where close personal service and honesty form the basis of all relationships. Tradition and heritage blend with a commitment to flexibility, innovation and modernity, so that every customer is provided with comprehensive solutions for any financial need.

Job profile:
Manage, develop and grow the Business Banking customer portfolio assigned and recommend new Customers for the growth of the portfolio to ensure the achievement of assets, liabilities and non-funded product targets, profitability objectives, and implementation of superior service culture and standards, while adhering to Banks policies and guidelines.

Job Requirements:

  • At least 2 years in managing medium-large commercial portfolio at senior levels in well established and recognized financial institutions.
  • Ability to deal with customers.
  • Ability to take judgments in complex situations and resolve issues on time.
  • Ability to ensure superior customer service and relationship management.
  • Ability to meet the assigned targets on time.
Job Duties:
  • Deliver the revenue and balance sheet targets assigned by identifying and maintaining  target customers/ customer segments within each catchment area
  • Manage the profitability of product portfolios and customers as well as  improve the profitability through increased fee income generation
  • Ensure the overall credit quality of the asset book within acceptable limits
  • Review the overall portfolio in a timely manner and recommend appropriate credit facilities inline with the bank’s credit policy to maximize earnings while containing risks to an acceptable level.
  • Obtain audited financial statements, analyze and recommend credit proposals of potential borrowers to the approving authority to meet financial objectives.
  • Maintain complete control aspects i.e., documentation, periodical customer visits / call reports, expires on monthly manner in order to monitor the assigned portfolio effectively and to ensure all statutory and controls for the business processes
  • Manage assigned relationships to ensure satisfactory account conduct and early ratification of various credit related issues.
  • Undergo an annual review process on the assigned portfolio to maintain strict credit discipline.
  • Identify the segment target market to broad – base the portfolio and pursue growth opportunities towards on boarding of the new clients
  • Ensure high performance culture and delivery of professional and quality customer service
  • Monitor customer complaints, approaching complainant personally where required to ensure prompt resolution
  • Ensure follow ups on exception report with regard to returned cheques and call for explanation from customer where necessary.
  • Ensure follow ups on deficiency reports.
  • Ensure timely & accurate submission of regular & adhoc management reports
  • Ensuring all portfolio monitoring/management processes & measures are undertaken regularly and on an on-going basis and all credit files are properly maintained with a view to achieving good audit rating

Deadline Date: 27/03/2014