Relationship Manager - SME Banking
Posted date [2026-09-25]
(ID: 52517)
 |
As the largest bank in the UAE, FAB has taken decisive steps as a regional pacesetter in the financial industry to bind both ambition and action together to accelerate the pace of positive environmental change. As the first bank in the MENA region to have committed to a target of net-zero emissions by 2050, we're making advances across our own operations in addition to walking alongside our clients as their strategic partner to ensure they can achieve their climate goals.... |
Job Description and Requirements
Relationship Manager - SME BankingJob Snapshot
Role: Relationship Manager - SME Banking
Location: Abu Dhabi, UAE
Industry: Banking
Function: Account Management-Non-Commissioned
Experience: Not specified
Job Type: Full Time
Position Overview
First Abu Dhabi Bank (FAB) is seeking a Relationship Manager - SME Banking for an on-site role in Abu Dhabi, UAE. The position focuses on acquiring high-value new-to-bank SME clients, strengthening existing relationships, increasing the bank\'s share of customer business, and managing portfolio risk. The role combines relationship management, business development, credit assessment, compliance, and revenue growth while maintaining FAB\'s customer service and risk standards.
Job Details
Country: UAE
City: Abu Dhabi
Industry: Banking
Function: Account Management-Non-Commissioned
Salary: Not disclosed
Gender: No Preference
Candidate Nationality: Not specified
Job Type: Full Time
Work Arrangement: On-site
Role Purpose
The Relationship Manager will develop and manage high-value SME relationships while identifying opportunities to increase liabilities, revenue, and product penetration. A key part of
the role is understanding each client\'s financial requirements and connecting those needs with appropriate banking products and services.
The position also carries responsibility for sound portfolio management, including KYC, credit applications, financial analysis, account renewals, compliance, and early identification of credit or operational risks.
Relationship Management and Business Growth
* Acquire high-value new-to-bank clients and develop existing high-value relationships to grow the bank\'s liability book and revenue.
* Maintain strong engagement with clients to understand their businesses and banking requirements.
* Identify opportunities to increase FAB\'s wallet share across assigned relationships.
* Cross-sell and upsell relevant banking products and services.
* Increase sales volumes and market share within the assigned SME segment.
* Actively source new business prospects and follow up sales leads within designated markets.
* Establish productive customer relationships by identifying financial needs and matching them with suitable bank products and services.
* Provide accurate and timely product information and explain relevant benefits to clients.
* Keep existing customers and prospects informed about applicable new products and services.
* Coordinate client visits involving Global Transaction Banking and Global Markets partners.
* Refer appropriate sales opportunities to other areas of the bank for cross-selling.
* Work with product managers and specialists to promote relevant FAB solutions.
* Negotiate internally and support the structuring and pricing of Global Markets and cash products according to customer requirements.
* Maintain responsive turnaround times for customer requests and business applications.
Credit and Risk Management
* Ensure KYC records are updated within required timelines.
* Work with relevant internal departments to address compliance, operational, and applicable credit risks.
* Prepare Credit Applications and analyse financial statements for approval.
* Ensure new and renewal credit applications are prepared in accordance with bank policies and the applicable regulatory framework.
* Identify early warning indicators of unsatisfactory account conduct and follow up on past-due loans.
* Assess financial and business risks associated with lending, including a company\'s competitive position, strategic direction, management quality, and financial profile where required.
* Analyse creditworthiness and recommend appropriate credit limits.
* Proactively manage portfolio risk and ensure timely account renewals when the required information is available.
* Follow FAB policies and Business Banking standards when structuring and pricing limits.
* Comply with applicable internal policies, procedures, and regulations issued by relevant authorities.
* Cooperate with internal audit and risk management teams to address identified gaps and respond to audit findings within agreed deadlines.
* Monitor potential money laundering activity and coordinate required remedial actions with management.
Profitability and Portfolio Performance
The Relationship Manager will seek effective utilisation of approved limits and identify opportunities to improve portfolio profitability. Responsibilities include monitoring relevant MIS information for foreign exchange and trade revenues through the EDW Dashboard and seeking appropriate opportunities to improve revenue margins from customer relationships.
Customer Service and Operations
* Maintain high customer service standards across the assigned portfolio.
* Coordinate with customer service teams and processing units to ensure satisfactory service delivery.
* Maintain disciplined adherence to bank policies and operating procedures to reduce exposure to fraud and operational risk.
* Support efficient processing of customer requests while maintaining required risk controls.
Qualifications and Capabilities
A university degree is required. A postgraduate qualification in Business Management or Business Administration is considered beneficial.
Candidates should demonstrate strong business assessment and analytical capabilities, particularly when working with complex structures and facilities that may have an international dimension. The role requires business acumen, effective planning and organisation, strong interpersonal skills, and the ability to influence and negotiate with customers and colleagues.
Knowledge of general and business banking, the competitive banking landscape, and SME propositions is beneficial. Candidates should also demonstrate an ability to identify customer needs across a broad range of products and services and interact effectively with stakeholders at different levels.
Leadership and Professional Development
The position calls for a collaborative, performance-focused approach, with the ability to contribute to customer and financial objectives. Strong communication, presentation, problem-solving, leadership, performance management, and team-development capabilities are relevant to the role.
The jobholder will prepare a self-development plan with the Line Manager, work progressively toward agreed development objectives, learn from peers and colleagues, and attend planned training sessions.
The position also carries responsibility for sound portfolio management, including KYC, credit applications, financial analysis, account renewals, compliance, and early identification of credit or operational risks.
Relationship Management and Business Growth
* Acquire high-value new-to-bank clients and develop existing high-value relationships to grow the bank\'s liability book and revenue.
* Maintain strong engagement with clients to understand their businesses and banking requirements.
* Identify opportunities to increase FAB\'s wallet share across assigned relationships.
* Cross-sell and upsell relevant banking products and services.
* Increase sales volumes and market share within the assigned SME segment.
* Actively source new business prospects and follow up sales leads within designated markets.
* Establish productive customer relationships by identifying financial needs and matching them with suitable bank products and services.
* Provide accurate and timely product information and explain relevant benefits to clients.
* Keep existing customers and prospects informed about applicable new products and services.
* Coordinate client visits involving Global Transaction Banking and Global Markets partners.
* Refer appropriate sales opportunities to other areas of the bank for cross-selling.
* Work with product managers and specialists to promote relevant FAB solutions.
* Negotiate internally and support the structuring and pricing of Global Markets and cash products according to customer requirements.
* Maintain responsive turnaround times for customer requests and business applications.
Credit and Risk Management
* Ensure KYC records are updated within required timelines.
* Work with relevant internal departments to address compliance, operational, and applicable credit risks.
* Prepare Credit Applications and analyse financial statements for approval.
* Ensure new and renewal credit applications are prepared in accordance with bank policies and the applicable regulatory framework.
* Identify early warning indicators of unsatisfactory account conduct and follow up on past-due loans.
* Assess financial and business risks associated with lending, including a company\'s competitive position, strategic direction, management quality, and financial profile where required.
* Analyse creditworthiness and recommend appropriate credit limits.
* Proactively manage portfolio risk and ensure timely account renewals when the required information is available.
* Follow FAB policies and Business Banking standards when structuring and pricing limits.
* Comply with applicable internal policies, procedures, and regulations issued by relevant authorities.
* Cooperate with internal audit and risk management teams to address identified gaps and respond to audit findings within agreed deadlines.
* Monitor potential money laundering activity and coordinate required remedial actions with management.
Profitability and Portfolio Performance
The Relationship Manager will seek effective utilisation of approved limits and identify opportunities to improve portfolio profitability. Responsibilities include monitoring relevant MIS information for foreign exchange and trade revenues through the EDW Dashboard and seeking appropriate opportunities to improve revenue margins from customer relationships.
Customer Service and Operations
* Maintain high customer service standards across the assigned portfolio.
* Coordinate with customer service teams and processing units to ensure satisfactory service delivery.
* Maintain disciplined adherence to bank policies and operating procedures to reduce exposure to fraud and operational risk.
* Support efficient processing of customer requests while maintaining required risk controls.
Qualifications and Capabilities
A university degree is required. A postgraduate qualification in Business Management or Business Administration is considered beneficial.
Candidates should demonstrate strong business assessment and analytical capabilities, particularly when working with complex structures and facilities that may have an international dimension. The role requires business acumen, effective planning and organisation, strong interpersonal skills, and the ability to influence and negotiate with customers and colleagues.
Knowledge of general and business banking, the competitive banking landscape, and SME propositions is beneficial. Candidates should also demonstrate an ability to identify customer needs across a broad range of products and services and interact effectively with stakeholders at different levels.
Leadership and Professional Development
The position calls for a collaborative, performance-focused approach, with the ability to contribute to customer and financial objectives. Strong communication, presentation, problem-solving, leadership, performance management, and team-development capabilities are relevant to the role.
The jobholder will prepare a self-development plan with the Line Manager, work progressively toward agreed development objectives, learn from peers and colleagues, and attend planned training sessions.
