Assistant Relationship Manager - Assets (UAE Nationals)

About the role

As an Assistant Relationship Manager at Emirates NBD, you will support Business Banking Relationship Managers in handling a growing SME portfolio. Your work will focus on preparing credit proposals, conducting financial and risk analysis, and coordinating the end‑to‑end credit approval and documentation process to ensure timely customer support.

Key responsibilities

• Prepare full credit proposals, including business risk analysis, financial analysis, and industry risk assessment.
• Conduct comprehensive financial statement analysis and recommend corrective actions where required.
• Prepare regular performance analysis reports on designated corporate entities and advise on credit decisions.
• Follow up with clients and Credit Administration to complete security and lending documentation, ensuring all conditions precedent are met.
• Coordinate with the Risk Department on credit approvals, resolve queries, and support presentations to the Lending Approval Committee.
• Manage renewals and enhancements for existing customers by obtaining required documents in advance and submitting proposals before limit expiry.
• Act as an intermediary between customers and internal departments such as Treasury, Trade Finance, Legal, and Credit teams to resolve operational queries.

Required profile

• Graduate qualification is essential; postgraduate qualification with a financial specialisation is desirable.
• 5–7+ years of banking, SME, corporate banking, or credit analysis experience, including at least 2 years in a credit support or analysis function.
• Strong knowledge of banking products, services, credit systems, Business Banking facilities, and relevant compliance and operational risk policies.
• Ability to conduct financial analysis, identify risks in credit proposals, understand market and industry trends, and prepare professional credit proposals, reports, memos, and spreadsheets.