Job Description

In line with the UAE Government’s strategy in empowering and developing nationals, Emirates NBD is committed to welcoming the young generation into an innovative, modern and supportive work environment to contribute to the nation's success. We are looking to find the best UAEN talent to join our ENBD family.

As a Relationship Manager – Assets at Emirates NBD, you will acquire new-to-bank customers and build and grow a Business Banking lending portfolio. Reporting to the VP/Head of Assets, you will prepare high-quality credit proposals, deliver asset growth and revenue targets, and develop customer relationships while maintaining credit quality and complying with Central Bank requirements and the bank’s internal regulations.

• Acquire new-to-bank SME customers and grow funded and non-funded assets to achieve customer acquisition, revenue, volume and facility utilisation targets.
• Develop customer relationships, identify cross-selling opportunities and increase trade business within the portfolio.
• Prepare accurate credit proposals and facility applications supported by financial, non-financial and industry risk analysis, and coordinate with the Risk Department to obtain credit approvals.
• Complete account reviews and facility renewals before expiry, maintain credit files and documentation, and monitor portfolio credit quality.
• Meet customers to understand their business models, assess the viability of proposed lending and complete due diligence when establishing borrowing relationships.
• Support restructuring and compromise proposals where full recovery of lending is doubtful, working with relevant stakeholders.
• Maintain up-to-date customer profiles and know-your-customer records, assess product suitability, and comply with credit, operational risk, anti-money-laundering and sales policies.
• Document customer meetings, contribute to team reporting, protect customer confidentiality and promptly report suspicious transactions to supervising managers.
• Graduate or postgraduate qualification, preferably in finance or accounting; an MBA or Chartered Accountant qualification is desirable.
• Five to ten years of SME lending experience, preferably in Risk, Relationship Manager or Senior Relationship Manager roles, is essential.
• Ten years of industry experience and five years of regional experience are desirable.
• Knowledge of relevant banking procedures, lending principles, regulations and software systems, with the ability to apply them in daily work.
• Good written communication skills and proficiency in preparing professional spreadsheets and graphical presentations, with strong data-entry skills.
• Analytical and forward thinking, teamwork and open communication, with a focus on quality, results, integrity and compliance.
• Knowledge of Arabic is desirable.

There’s never been a better time to join Emirates NBD.

We’re one of the region’s most recognisable brands. We’re banking innovation leaders. We’re growing across both the UAE and our global offices. We offer a huge range of professional development opportunities to accelerate your career. It also goes without saying that we provide extremely competitive rewards, benefits and perks too, like our flexible work policy so you can work from home whenever it suits.

At ENBD, we encourage interested candidates to review the key responsibilities and qualifications for each role and apply for positions that match their skills and capabilities.