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Senior Relationship Manager Job Opportunity at Dubai Islamic Bank

Posted By : Brown Kaje on Thursday, 13 March 2014 | 4:17:00 am

Job Title:    Senior Relationship Manager
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, guide and develop the Business Banking customer portfolio assigned. 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 Duties:
 ·         Deliver the revenue and balance sheet targets assigned

·         Identify target customers/ customer segments within each catchment area

·         Manage the profitability of product portfolios and customers

·         Improve profitability through increased fee income generation

·         Manage 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.

·         Implement and maintain complete control aspects i.e., documentation, periodical customer visits / call reports, expires on monthly manner in order to monitor the assigned portfolio effectively.

·         Follow-up and monitor 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 of customer service

·         Regularly review customer complaints, approaching complainant personally where required to ensure prompt resolution

·         Maintain all statutory and controls for the business processes

·         Weekly follow up on exception report with regard to returned cheques and call for explanation from customer where necessary.

·         Weekly follow up on deficiency reports.

·         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


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