Abu Dhabi Islamic Bank – Egypt (ADIB Egypt) has announced a job opening for a Relationship Manager, Corporate Banking, based in Cairo and Alexandria. The role involves managing the client portfolio in the commercial banking sector, attracting new clients and meeting the bank's set targets.

Duties and responsibilities

  • Screen prospective clients against the target market plan and risk acceptance criteria to determine their fit with the bank's credit policy, and structure credit facilities in line with business and risk management approvals and bank policies.

  • Provide the business analyst with client information, financial statements and related data for the review of annual, initial and interim credit analyses.

  • Review and approve credit facility applications, ensuring the data is accurate, the requested facilities are appropriate and all credit risks are addressed.

  • Ensure credit facilities match the nature of the client relationship and strike a balance between risk and return.

  • Ensure appropriate credit risk ratings are assigned to clients and facilities in line with bank policies.

  • Monitor accounts regularly through periodic reports to avoid arrears, credit limit excesses or breaches of approved facility terms.

  • Track changes in clients' credit standing and report them to business and risk officers in a timely manner.

  • Communicate regularly with clients to resolve internal or cross-departmental issues, in cooperation with the customer service unit and in line with approved service-level agreements.

  • Make regular client calls and site visits, and document them according to set requirements.

  • Maintain client loyalty and strengthen the bank's brand by delivering excellent service and explaining the financial products available to suit their needs.

  • Follow up on client requests, including new facilities, increases to existing facilities, amendments, waivers and operational requests, within set timeframes.

  • Make marketing calls to study the market and reach prospective clients.

  • Identify expansion opportunities within the existing client base to grow the portfolio.

  • Monitor competitor banks' practices and report findings to unit and department heads.

  • Refer suitable opportunities to product specialists to boost cross-selling, manage client relationships and offer treasury, cash management, trade finance and corporate finance solutions and products.

  • Follow up on credit arrears reports and take the necessary action in consultation with the relevant officers.

  • Ensure credit facilities comply with regulatory limits and the instructions and guidelines of the Central Bank of Egypt.

  • Initiate credit inquiry requests and requests to the Egyptian Credit Bureau (I-Score) at the Central Bank of Egypt, and ensure they are complete once credit approval is obtained.

  • Recommend improvements to current procedures and processes to ensure work is carried out efficiently.

  • Perform any other tasks assigned.

Required qualifications

  • A university degree.

  • An MBA is preferred.

  • Knowledge of Islamic banking.

  • A good understanding of corporate products and services, treasury, cash management, trade finance and corporate lending.

  • Strong credit assessment and marketing skills, and the ability to analyse complex financial information.

  • Outstanding experience in credit management.

  • A proven record of meeting or exceeding revenue targets.

  • Excellent communication, negotiation, listening and interpersonal skills.

  • The ability to build strong, lasting relationships with client executives at all management levels.

  • Creativity and the ability to understand client needs and develop suitable solutions.

  • Commitment, a results focus, initiative and follow-through on tasks until completion.

  • The ability to build a network and maintain ongoing contact with the bank's coverage, product and risk teams.

  • A team spirit, flexibility and cooperation to meet client requirements and internal business needs.

Required years of experience

  • Assistant Relationship Manager (ARM): 2 to 3 years of experience; a credit course is not a prerequisite.

  • Relationship Manager (RM): 5 to 10 years of experience, with a completed credit course required.

  • Senior Relationship Manager (SRM): more than 10 years of experience, with a completed credit course required

For more details and to apply for the job, click here