Senior Corporate Banker

Client Relationship Manager

A high-performing and experienced Client Relationship Manager is sought to drive business growth, develop strong client relationships, and deliver exceptional customer service in a fast-paced corporate banking environment.

The ideal candidate will possess a proven track record of success in identifying, structuring, and delivering financing solutions to a diverse client base. Strong marketing, client relationship management, and presentation skills are essential for this role.

• Originate new business opportunities with target clients across all banking products.
• Articulate the value-add services/products and distinguished qualities of our bank's offerings to existing and potential clients.
• Work closely with stakeholders from Head Office and international locations to generate business leads.
• Manage daily interactions with clients and provide superior service to improve clients' experience, grow assets and liabilities, and maximize profitability.
• Identify and develop cross-selling opportunities and increase the cross-sell ratio with key clients.
• Pitch, review, negotiate, and conclude deals.
• Play an active role in raising liabilities for the bank.
• Develop and execute term sheets, information memoranda, financial modeling, and mandate letters.
• Achieve individual and team financial performance targets.
• Examine and resolve credit, market, and operational risk aspects of transactions in collaboration with product and enablement teams.
• Motivate, develop, and coach team members.
• Maintain the credit quality of clients' relationships within the portfolio to an acceptable level set by the bank's standard.
• Identify early warning signs and take immediate remedial action to mitigate any potential credit risk.
• Ensure that any excesses or overlimits are regularized within a reasonable time.
• Ensure account plans are prepared and maintained for all key clients.
• Ensure all clients' files/documents are updated and well-maintained.
• Ensure all credit reviews are submitted on time and agreed conditions are met.
• Maintain a satisfactory audit on the portfolio.
• Learning & Development – Attend appropriate on- and off-the-job training programs and ensure development and skill upgrading of team members.
• Adhere to process KPIs and ORM, BCP, and Internal Audit requirements.

Internal Collaboration

• Develop a close working relationship with all departments/sub-departments, including product partners (GCF, GTB, and Global Markets), credit, finance, operations, legal, CAD, treasury, etc., which will directly contribute to the overall performance of the bank.

Client and Market Analysis

• Conduct analysis on clients' financial health and needs as well as their industries/markets on a regular basis to identify lending, selling, and cross-selling opportunities.

Credit Approval

• Collect credit requests and documents from clients and conduct initial analysis, acquiring and evaluating new accounts, structuring credit facilities, performing credit assessment of financial statements, cash flow projections, periodic credit reviews of existing accounts, and loan documentations.
• Prepare credit memoranda and other relevant information for the credit application package of new credit applications, annual reviews, and ad-hoc applications.
• Ensure the quality of the credit portfolio is maintained by reviewing proposals and identifying and assessing all risks inherent in credit exposures.

Continuous Improvement

• Identify opportunities for continuous improvement of systems, processes, and practices taking into account 'international leading practice', improvement of business processes, cost reduction, and productivity improvement.

Policies, Systems, Processes & Procedures

• Follow all policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.

MIS and Reports

• Prepare reports in a timely and accurate manner to meet the bank's requirements, policies, and standards. Review MIS reports to keep track of performance vs. budgets.

Strategic Contribution

• Ensure effective cascading of the business strategy to all colleagues to ensure vertical alignment and horizontal integration with other interfacing departmental strategies.
• Work with all Bahrain and HO stakeholders to develop the strategy, business plan, and tactics to increase the bank's share of the target clients' wallet and achieve target relationship returns.
• Keep close interaction with product teams and other stakeholders to maximize business opportunities with clients and streamline execution of deals and strategies.

People Management

• Act as a role model and drive adherence to organizational values and ethics by employees of the assigned department to foster a value-driven culture within the group.

Budgeting And Financial Planning

• Manage P&L responsibility of the assigned portfolio, achieving targets within defined budget levels.

Client And Market Analysis

• Participate in the financial analysis conducted on clients and their respective industries/markets to identify potential opportunities and risks.

Day-to-Day Activities

• Assist the executive directors and business head in day-to-day administrative and transactional activities to ensure continuity of work and delivery of effective and high-quality outputs.
• Manage and follow up on KYC and compliance requirements to ensure consistency with the bank's KYC and AML policies and regulatory requirements.

Qualifications

• Bachelor's degree in finance or related discipline.
• Professional qualification preferred.

Minimum Experience

• At least 10 years of relevant experience in corporate and commercial banking and client relationship management with multinational banks, preferably managing a portfolio driven by assets and liabilities.
• Strong knowledge of corporate and commercial banking products in general under GCF, GTB, and GM.

Knowledge, Skills, And Attributes

• Knowledge of Bahrain's banking industry.
• Extensive contacts within Bahrain for business development within Bahrain and outside.
• Proven track record of success in identifying, structuring, and delivering financing solutions to a diverse client base.
• Strong marketing, client relationship management, and presentation skills.
• Ability to communicate effectively with clients and internal stakeholders.
• Awareness of market trends and dynamics.
• Experience in the entire credit process from deal acquisition up to conclusion (including documentation).
• Strong in Credit Risk and Financial Risk analysis.
• Work ethics and a passion for excellence.
• Ability to perform under pressure and within tight deadlines.
• Ability to work independently and collaboratively as a team player and highly adaptable to the changing needs of internal and external customers.
• Strong leadership skills.

---