Job Description

Job Purpose

To lead the acquisition of new clients and manage existing client relationships by identifying sales and cross-selling opportunities in line with agreed policies, procedures and the risk appetite in order to deliver the targeted growth for the assigned region in line with the banks overall strategy

ACCOUNTABILITIES

1. Revenue Generation

Cascade and monitor the implementation of sales strategies and plans for the assigned region while focusing on diversifying the revenue stream, expanding the portfolio of assets/liabilities, and identifying new areas for growth to ensure the achievement of sales targets and maximize profitability for the assigned portfolio

2.Portfolio Management

Identify and evaluate client needs and offer new solutions/enroll for alternate channels and value added services to meet their business needs, increase transaction volumes and grow the assigned portfolio for the region

3.Credit Risk Assessment and Management

Analyze and assess client credit risks and ensure accurate credit applications are prepared in line with the banks credit risk appetite; policies and procedures in order to ensure business support teams are able to adequately structure deals and secure profitable business transactions for the assigned region

4.Research and Data Gathering

Observe market trends, sales and service models applied, best practices inside/outside the UAE, competition and share with senior management in order to adjust ADCB sales model and practices, exploit market opportunities and prevent potential losses

5.Relationship Management

Engage with product and business partners to monitor and manage portfolios for assigned region to ensure timely renewal of accounts and appropriate risk mitigation strategies are in place

6.People Management

Manage self and team in line with ADCBs people management policies, procedures, processes and practices to ensure adherence and to maximize own and employee contribution to business performance

Manage the effective achievement of the teams objectives through setting individual objectives, managing performance, developing the team and providing formal and informal feedback to maximize overall performance, engagement and motivation

7.Budget Management

Contribute to the preparation of the business areas budget and manage and monitor the financial performance against the budget so that areas of unsatisfactory performance are identified, rectified promptly and potential performance improvement opportunities are capitalized upon

8.Policies, Processes, Systems and Procedures

Recommend and implement improvements to departmental policies, procedures and processes covering all areas of activity so that all relevant procedural requirements are fulfilled while ensuring that ADCB delivers best-in-class services, products and innovation

9.Continuous Improvement

Identify opportunities to contribute to organizational and departmental change initiatives, programmes and projects taking into account best practice and standards in the business environment

10.Customer Service

Demonstrate Our Promise and apply the ADCB Service Standards to deliver the banks required levels of service in all internal and external customer interactions

EXPERIENCE, QUALIFICATIONS & COMPETENCIES

Minimum Experience

• At least 8 years of experience in corporate banking of which at least 5 years of experience in a managerial position
• Minimum Qualifications
• Bachelors Degree in Finance, Accounting or Law
• Professional Qualifications
• Knowledge and Skills
• Microsoft Office (Word; Excel and PowerPoint)
• Core banking systems