- Maintain and conduct activities in compliance with policies and procedures, regulations and prevailing best practices.
- Manage assigned credit clients on overall basis to ensure targets are met, corrective measures where necessary are implemented on timely basis and to systematically evaluate the quality and performance of the same.
- Support Sector Head in providing technical expertise and guidance to team members to ensure their credit proposals adequately address all relevant risk factors and meet minimum acceptable standards
- Perform sales activity in accordance with SVP Commercial Banking Sector directives and timely update the database of client contacts.
- Systematically visit client premises, conduct meetings and prepare / deliver presentations, as appropriate.
- Identify and timely report on all negative events and early signals on potential problematic accounts/relationships that are managed by the Commercial Banking function.
- Perform cross selling activities in coordination with other Corporate Banking functions, departments, QNB Capital, local, regional and international branches, representative offices, affiliates, Foreign Institutions, Treasury, Legal, Retail, and Head Office support functions in order to enhance QNB’s overall relationship with the Commercial Banking Sector customer base.
- Supervise the roll-out of conventional corporate banking products targeted to Commercial Banking customers.
- Develop and maintain professional relationships with key managers of existing and potential customers to provide a broader range of communication, service consistency and response to clients needs.
- Submit periodic Management Information / Business Information reports to the SVP Commercial Banking Sector and to other executive management of the Group to appraise them about the Commercial Banking Sector function’s performance and the assigned portfolio of clients.
- Maintain the timely review of credit applications and documents within set turn around time, in coordination with Credit Risk. During the annual review exercise, the incumbent is expected to identify changing circumstances to assess risk and mitigating actions.
- Review the spreading of the financial statements on assigned software while assessing the credit risk related to each client and identify mitigating actions/ controls.
- Prepare financial analysis for assigned clients to measure its performance and its capacity of repayment.