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Virtual Relationship Management- Manage an assigned portfolio of Business Banking Aspire clients through structured virtual engagement in order to develop an in-depth understanding of each client’s business, financial position and service needs. Maintain regular contact plans, review account activity, respond to enquiries and ensure all interactions and actions are accurately recorded in approved systems to support client satisfaction, retention and portfolio performance
Client Acquisition and Portfolio Growth- Identify and progress new client opportunities through virtual and digital channels by qualifying prospects, understanding requirements and supporting end-to-end onboarding in line with approved processes. Review existing client relationships to identify cross-sell opportunities and recommend suitable products and services in order to support revenue growth, balances and fee income while maintaining portfolio quality
Needs Analysis and Solution Advisory- Conduct structured needs analysis using client information, account behavior and discussions to identify appropriate banking solutions. Recommend products and services across deposits, lending and transactional offerings, clearly explaining features, requirements and implications, and engage product specialists where required to ensure solutions are suitable, compliant and aligned to client circumstances
Credit and Risk Management- Monitor client activity and portfolio performance to identify early warning indicators and changes in risk profile. Prepare and submit credit applications, renewals and reviews supported by accurate information and analysis, and work closely with credit, risk and compliance teams to ensure adherence to risk appetite, AML, KYC and regulatory requirements
Digital Onboarding and Channel Adoption- Promote and support the use of approved digital banking channels (e.g. online banking, mobile apps, virtual banking platforms) by guiding clients through onboarding steps and self-service options relevant to their needs. Assist clients in completing digital journeys to improve efficiency and reduce reliance on manual servicing while ensuring all requests are authenticated and processed through authorized systems
Compliance and Audit- Ensure full compliance with all applicable regulatory requirements, internal policies, procedures and controls by adhering to approved processes, maintaining accurate documentation and supporting audit and assurance activities. Identify and escalate potential compliance issues, cooperate with Compliance and Audit teams during reviews, and implement agreed actions in order to mitigate risk and uphold ADCB’s governance standards
Policies, Processes, Systems and Procedures- Adhere to all relevant organizational and departmental policies, processes, standard operating procedures and instructions so that work is carried out to the required standard and in a consistent manner while delivering the required standard of service to customers and stakeholders
Self-Management- Manage self in line with the Bank’s people management policies, procedures, processes and practices to ensure adherence and to maximize own contribution to business performance
Customer Service- Demonstrate Our Promise and apply the ADCB Service Standards to deliver the Bank’s required levels of service in all internal and external customer interactions
Senior Virtual Relationship Officer - Business Aspire
Al Ain, Abu DhabiPosted 2 weeks ago
Full-timesenior