Assistant Relationship Manager - Assets (UAE Nationals)

Job description

As an Assistant Relationship Manager at Emirates NBD, your role is to support the Business Banking Relationship Managers in managing a growing SME portfolio by preparing credit proposals, conducting financial and risk analysis, and coordinating the end-to-end credit approval and documentation process. You will play a key role in improving turnaround time, strengthening portfolio quality, and ensuring customers receive timely support across Business Banking products and services.

Key Responsibilities

Prepare full credit proposals, including business risk analysis, financial analysis, economic and industry risk assessment, and clear identification of strengths and weaknesses in proposed facility packages. Support Relationship Managers by conducting comprehensive financial statement analysis and recommending corrective actions where required. Prepare regular analysis reports on the financial performance of designated corporate entities and recommend appropriate credit decisions.

Follow up with clients and Credit Administration to complete security and lending documentation until facilities are booked, including fulfilment of required documents, collaterals, and conditions precedent. Coordinate with the Risk Department on credit approvals, resolve related queries, and support presentations to the Lending Approval Committee. Manage renewals and enhancements for existing customers by obtaining required documents in advance and submitting credit proposals before limit expiry.

Act as an intermediary between customers and internal departments, including Treasury, Trade Finance, Legal, and Credit teams, to resolve operational queries and support timely customer solutions.

Skills and Experience

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 2 years in a credit support or credit 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.

Bachelor's degree in Business, Finance, or a related field Relevant certification in banking operations or credit administration preferred Ongoing professional development in regulatory compliance or digital banking