Relationship Manager - Commercial Real Estate

First Abu Dhabi Bank is an inclusive environment where each person values the experiences, perspectives, ideas and beliefs of others. We’re in a unique position to learn from all our colleagues, combining international experience with deep cultural knowledge and local expertise. At FAB, you’ll have the support of your team and a strong relationship with your line manager, who will trust you with responsibility and recognize your good performance. As we embrace different ways of seeing the world, listening to each other and respecting different viewpoints, we grow stronger – together.

Core Responsibilities:

• To manage the business of the assigned team through the designated Coverage team and their Performance.
• The jobholder is partnering the Real Estate department in service delivery and is expected to work independently in many respects to grow revenue for the Bank while managing the risk in the portfolio. Hence, the jobholder will need to develop his/her credit skills and develop a good understanding of acceptable risk / reward parameters for customers in the portfolio and will be empowered with certain authority in handling exceptions and resolving customer service issues. 
• As he/she will handle customer inquiries and service related issues proactively so as to release resources to better focus on cross selling other complex products. 
• The jobholder must have good customer and corporate product knowledge, effective problem solving and interpersonal skills in order to satisfy customer, meet performance targets and work effectively with various parties to achieve results.
• Maintain a level of zero expiry for all assigned.
• Achieve the annual target for performing loans assigned by Senior Management.
• Cross sell GFM, GTB products and all other relevant products to benefit the customer
• NPL to be maintained below 4%.   Credit Review / Renewal to be conducted timely.
• Satisfactory Audit report
• Deliver superior customer service by acting as a client service manager to proactively help customers resolve problems and facilitating other
• Enhance credit analysis skills
• Ensure that all internal processes for existing portfolio are met in line with Bank’s policies & procedures.
• Adhere to procedures and processes in documentation of call reports, KYC & all operational matters. Turn around new to bank proposals as per agreed SLA.

Specific Accountabilities

• Sound knowledge of appraisals, financial modelling and legal/regulatory environments.
• Ability to communicate both verbally and in written presentation.
• Ability to manage people and to work under pressure.
• Capable to organize the work load and meet deadlines
• Knowledge of interpretation and appraisal of financial statements/feasibility reports
• Functions within the framework and boundaries of Group policies as well as overall organisational and governance frameworks.
• Authorised to take decisions as per the approved authorisation matrix

• Finance / Business related Bachelors / Master’s degree, professional qualification in accounting will be an advantage.
• English /Arabic language knowledge is preferable

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