Job Description
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Welcome to Al Rayan Bank, the longest established and most successful Islamic bank in the UK.
Al Rayan Bank is an extraordinary and flourishing institution that celebrates diversity and values ethics. As a prominent member of the Masraf Al Rayan Group, one of the largest bank's in Qatar, we are fuelled by an unwavering ambition for excellence, promising you an exhilarating journey ahead.
At Al Rayan Bank, we embrace change as an opportunity for positive transformation. Currently, our focus lies on building a culture of inclusivity and diversity, creating an environment where every individual's unique perspectives are valued.
We understand the importance of work-life balance and flexibility, and we are committed to empowering our employees to thrive both personally and professionally.
The Bank is going through the most successful period in its history, and this success is a testament to the hard work, dedication, and expertise of our incredible team. Join us on this exciting venture, where you'll have the chance to make a significant impact while enjoying a supportive and rewarding work environment.
Come and join us and be part of something extraordinary.
We have a fantastic opportunity for a Senior Premier Relationship Manager at our London Office. The Senior Premier Relationship Manager will be a dedicated relationship manager for premier clients (GCC residents and nationals and GCC residents and non-nationals (excluding UK nationals) to generate income/profit by maximising sales from new and existing premier customers of the Bank, in relation to Assets, liabilities and fee income. Achieving/exceeding team and individual sales performance, and supporting team targets, through providing excellent service, whilst adhering to Al Rayan Bank's standard service and sales processes as well as to the internal and external regulatory, operational, compliance, credit and key control systems and procedures.
Key Responsibilities
- Manage a portfolio of premier banking customers. Conduct service reviews/ interviews and maintain proactive and timely contact, identifying customer needs and priorities to ensure they are always offered excellent service, cross selling where appropriate. This will include where appropriate, preparation of financing reports to the appropriate unit.
- Prepare relevant documentation to adhere to all standards, both legal and regulatory, to avoid exposing the business to undue risk. This includes the Bank's guidelines on Customer Acceptance, Data Protection Act, Anti Money Laundering and KYC undertaking Enhanced Due Diligence (EDD) on all applicants that are deemed either high risk and/or Politically Exposed Person(s) (PEPs).
- Prepare and submit quality credit proposals for sanction by the Credit Risk team, and where appropriate the relevant committee.
- Support management of the team and liaise and collaborate with other internal departments such us payment processing, compliance, etc. or escalate if appropriate, to resolve customer enquiries and requests and comply with internal operating procedures and regulatory requirements.
- Develop and implement effective plans to support the achievement of stretching income, sales and service targets. Regularly review progress against targets focusing on retention and new business acquisition.
- Work closely with our parent bank to aid client communications, account opening, payment transfers and other administrative processes such as undertaking EDD when on-boarding new clients and supporting with Periodic Reviews.
- Maintain an excellent level of banking product knowledge and market awareness within the premier banking sector in order to assist in the development of new products and services.
- Deliver one off activities and projects to the timelines, outcomes and standards agreed with line manage.
Qualifications & Experience
- Desirable if have CeMAP or working towards
- Educated to minimum "A" Level standard or equivalent qualification/experience.
- Experience of working as a client relationship manager or a track record of managing client relationships in banking or financial services, specifically in relation to Premier/HNW Mortgage or HPPP sales in the UK Finance market
- Existing relationships/network of prospective clients from overseas banking market, including GCC countries, and elsewhere as required.
Knowledge & Skills
- Detailed understanding of the Al Rayan Bank product and proposition offerings.
- Obligatory knowledge of appropriate legislation/regulation (e.g. Data Protection Act / Consumer Credit Act / FCA / PRA, etc.) to ensure compliance with the Bank's regulatory requirements.
- Excellent oral and written communication and ability to present confidently and to engage and manage stakeholders, developing rapport and effective relationships at all levels effectively.
- Planning and personal effectiveness skills, including time and project management, with excellent attention to detail and accuracy.
- Understanding and experience of AML KYC requirements in relation to customer onboarding and review
- Knowledge of the principles of Sharia in banking
- Knowledge of real estate markets
- Ability to speak Arabic
Behavioural Competencies
You will be required to demonstrate our 1Team values and associated behaviours which are outlined below:
- Trusted to do the right thing
To act with total integrity. Put the customer first and stick to our promises. - Empowered to own
To embrace change, take responsibility and ask for help when needed. - Able to deliver
To draw on each other's strengths and believe in 'no blame' and 'no ego's'. Show resilience. - Motivated to succeed
To be passionate about our work. Look for opportunities to learn and grow and celebrate each other's success.
Conduct
We expect staff to follow the standards required by our regulators. At all times:
- Act with integrity
- Act with due skill, care and diligence
- Be open and co-operative with regulators
- Pay due regard to the interests of customers and colleagues and treat them fairly
- Observe proper standards of market conduct
- Act to deliver good outcomes for retail customers
This is a fantastic opportunity to join our growing bank where we can offer exceptional opportunities for you to make your mark and progress your career in a diverse, ethical bank that you can actually believe in.
Empowering your career, together we'll deliver banking you can believe in.