Relationship Manager – Business Banking (Abu Dhabi)

Company Description National Bank of Fujairah PJSC (NBF), established in 1982, is one of the UAE’s most respected banks, recognized for its deep industry expertise and tailored financial solutions. The bank serves a diverse client base across corporate, commercial, SME, personal, and Shari’ah-compliant banking, supported by a network of 14 branches and strong digital capabilities.At NBF, we focus on helping our customers achieve their financial goals while building trusted, long-term relationships. We are also committed to sustainability and making a positive impact in the wider community through our community initiatives and knowledge-sharing programs, including the NBF Knowledge Series.Rooted in strong values and a forward-looking vision, NBF continues to empower individuals, businesses, and communities across the UAE.Role DescriptionRelationship Manager – Business Banking (Abu Dhabi) is responsible for managing and growing a portfolio of mid to large corporate clients, with a strong focus on larger-ticket facilities, complex financing transactions, new business origination, and strategic relationship development.Key responsibilities include:Managing and developing a portfolio of mid to large corporate clients and building long-term strategic relationships.Identifying and originating new business opportunities and increasing wallet share across existing relationships.Understanding clients’ business requirements and structuring appropriate financing and banking solutions.Preparing, presenting, and defending credit proposals to Senior Management, Credit Committee, and relevant approval forums.Managing complex financing transactions while maintaining sound credit quality and risk awareness.Monitoring portfolio performance, asset quality, profitability, and overall relationship potential.Identifying cross-selling opportunities across lending, trade finance, cash management, treasury, and other banking solutions.Working closely with Credit, Risk, Legal, Operations, Product, and other internal stakeholders to ensure timely execution of transactions.Maintaining strong awareness of market developments and sector trends, with a particular focus on manufacturing businesses and opportunities across Abu Dhabi and Dubai.Ensuring compliance with internal policies, credit standards, regulatory requirements, and risk appetite.Contributing to revenue growth, portfolio quality, customer satisfactione, and overall business objectives.Key Qualifications & ExperienceMinimum 5 years of relevant Relationship Management experience, with a proven track record of managing mid to large corporate relationships and higher-ticket exposures.Experience in corporate or business banking, with solid knowledge of lending, trade finance, cash management, and treasury solutions.Proven ability to prepare, present, and defend credit applications to Senior Management, Credit Committee, and relevant approval forums.Strong credit analysis and risk assessment capabilities, including financial statement analysis, cash flow evaluation, and assessment of risks and mitigants.Experience managing larger-ticket facilities, preferably within the AED 10 million to AED 175 million range.Demonstrated ability to originate, structure, and execute complex financing transactions.Strong client network and market connectivity across Abu Dhabi, Al Ain, Dubai, and other Emirates, with the ability to originate new relationships and deepen existing ones.Established relationships and strong market knowledge within the manufacturing sector, particularly across Abu Dhabi.Strong commercial acumen combined with a sound credit mindset, balancing business growth with prudent risk management.Proven track record in business development, portfolio growth, cross-selling, and increasing wallet share.Excellent communication, negotiation, and presentation skills, with the ability to articulate complex transactions, risks, mitigants, and credit rationale to senior stakeholders.Ability to work independently on large and complex transactions while coordinating effectively with Credit, Risk, Legal, Operations, Product, and other internal stakeholders.Strong organizational and time-management skills, with the ability to manage multiple client relationships and meet deadlines.Proficiency in banking systems and digital tools, CRM platforms, financial analysis tools, Credit Relationship Platform, and Microsoft Office applications.Bachelor’s degree in Finance, Business, Economics, or a related field.Professional certifications in banking or credit (e.g., CFA, CA, CPA, ACCA, or equivalent) are an advantage.