Senior Relationship Manager - Corporate Banking

KEY RESPONSIBILITIES: Business Development & Client Acquisition • Identify, target and originate new corporate banking relationships, with particular focus on established corporates and major business groups. • Develop and execute account and relationship strategies to grow the Corporate Banking portfolio. • Maintain an active pipeline of new-to-bank prospects and convert opportunities into sustainable, profitable relationships. • Leverage existing market relationships and regional/GCC networks to generate new business opportunities. • Conduct regular client meetings, business reviews, site visits and market engagement. • Identify opportunities across financing, trade finance, transaction banking, deposits, cash management, treasury and other banking solutions. • Increase the Bank’s wallet share with existing customers through effective cross-selling and relationship penetration. Relationship & Portfolio Management • Act as the primary relationship owner and point of contact for assigned corporate customers. • Develop a comprehensive understanding of each client’s business model, industry, ownership structure, strategy, financial position and banking requirements. • Prepare and maintain relationship/account plans for key customers. • Monitor utilization, profitability, deposits, cross-sell penetration and overall relationship returns. • Maintain regular senior-level engagement with clients and proactively address their banking requirements. • Ensure high standards of client service while protecting the Bank’s commercial and risk interests. • Manage customer retention and identify early opportunities or threats within the portfolio. Credit Analysis & Financial Assessment • Undertake comprehensive financial statement and credit analysis, including assessment of profitability, cash flows, leverage, liquidity, debt-servicing capacity and key financial ratios. • Understand and assess corporate structures, business models, industries, management quality and key credit risks. • Prepare high-quality credit applications, annual reviews, interim reviews and facility proposals. • Recommend appropriate facility structures, limits, pricing, tenor, security and financial covenants. • Demonstrate the ability to assess and structure working capital, bilateral financing, trade facilities, term financing and other corporate credit solutions. • Monitor customer performance, covenant compliance, account conduct and early-warning indicators. • Ensure timely renewal of facilities and completion of all required credit documentation. • Work closely with Credit/Risk while maintaining clear ownership of the commercial proposition and credit rationale. Product & Cross-Selling • Originate and cross-sell the Bank’s full suite of Corporate Banking solutions, including: • Coordinate with product specialists to develop tailored solutions based on customer requirements. • Maximize customer profitability and wallet share while maintaining appropriate risk-adjusted returns. Portfolio Performance & Risk Management • Manage the assigned portfolio against agreed revenue, profitability, asset, liability, cross-sell and credit-quality targets. • Monitor facility utilization, excesses, past dues, documentation deficiencies and other portfolio exceptions. • Conduct annual and periodic relationship reviews within prescribed timelines. • Identify deterioration or emerging risks at an early stage and initiate appropriate corrective actions. • Maintain strong asset quality and ensure that portfolio growth remains within the Bank’s risk appetite. • Maintain accurate and up-to-date customer, facility and account information. Compliance & Governance • Ensure full compliance with applicable regulatory requirements, KYC/AML standards, sanctions requirements and internal policies. • Maintain compliance with Sharia principles applicable to Islamic banking products. • Ensure customer documentation, facility documentation and approvals remain valid, current and complete. • Adhere to the Bank’s delegated authorities, credit policies, risk appetite and governance framework. Academic Qualifications – Minimum Requirement • Bachelor’s degree in finance, Banking, Accounting, Economics, Business Administration or a related discipline. • Professional credit, banking or financial-analysis qualifications are an advantage. Minimum Experience • Minimum 5–8 years of relevant banking experience, with meaningful experience in Corporate Banking relationship management. • Proven track record in originating, developing and managing corporate banking relationships and portfolios. • Demonstrated experience in corporate credit assessment and financial statement analysis. • Strong understanding of corporate financing structures, working-capital requirements, trade finance and transaction banking solutions. • Demonstrated ability to prepare and present high-quality credit proposals. • Strong commercial orientation with proven ability to generate new business and deepen existing relationships. • Strong Bahrain/GCC corporate banking experience is preferred, with regional GCC exposure considered a significant advantage. • Existing corporate market relationships/network within Bahrain and/or the wider GCC would be highly desirable. Show more Show less

Bachelor’s degree in finance, Banking, Accounting, Economics, Business Administration or a related discipline. Professional credit, banking or financial-analysis qualifications are an advantage.