Relationship Manager/ IRAQ

ROLE SUMMARY:A Relationship Manager in Corporate/Commercial Banking manages a portfolio of corporate clients in Iraq, develops new business relationships and delivers tailored financing and banking solutions. The role is responsible for revenue growth, client satisfaction, portfolio quality and effective management of credit and risk.KEY RESPONSIBILITIESManage and grow a portfolio of corporate and commercial banking clients.Build and maintain strong relationships with business owners, CFOs, CEOs and other key decision-makers.Develop client plans and identify opportunities to increase revenue, profitability and share of wallet.Acquire new-to-bank clients and deepen existing relationships.Cross-sell lending, deposits, trade finance, cash management, treasury and other banking products.Understand clients’ business models, financial requirements and strategic objectives.Lead client meetings, proposals, negotiations and transaction discussions.Coordinate with Credit to prepare credit applications and facility requests.Review client financial performance, repayment capacity, account conduct and credit quality.Monitor portfolio exposure, limits, profitability and early-warning indicators.Work closely with Credit, Risk, Treasury, Trade Finance, Cash Management, Operations and other support functions.Ensure all client activities comply with KYC, AML, regulatory and internal policies.Maintain appropriate client records, call reports and documentation.Keep management informed of business opportunities, portfolio developments and material risks.EXPERIENCEMinimum 5–8 years of experience in the banking sector, including relevant experience in Corporate/Commercial Banking, Relationship Management, credit and business development, preferably with a leading Iraqi, regional or international bank operating in Iraq.QUALIFICATIONS & COMPETENCIESBachelor’s degree in Finance, Economics, Business Administration or related field.Proven experience in the Iraqi banking sector is a plusStrong financial and credit-analysis skills.Good understanding of corporate banking products and solutions.Strong business-development and relationship-management capabilities.Good negotiation, presentation and communication skills.Strong commercial awareness and client focus.Good understanding of the Iraqi banking market and regulatory environment.Ability to manage risk and work under pressure.Fluent English and Arabic.