Senior Relationship Manager

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.