Summary

The incumbent will be primarily responsible for managing on a day-to-day basis a portfolio of existing and potential corporate customers to meet assigned financial targets of assigned country location. Incumbent is expected to develop and profitably manage banking relationships for business customers within their geographic territory or industry/customer portfolio. This position functions as the primary resource for extension of the full range of bank products and services applicable to the business customer. These will typically include credit and deposit services, as well as international transactions or other specialised services.

Experience

• Prepare comprehensive credit proposals for new/prospect customers that adequately address all relevant risk factors and satisfy minimum acceptable standards of CPM.

• At least one month before expiry, prepare comprehensive credit review for existing portfolio's that adequately address all relevant and current risk factors and the latest developments in the industry, market and business.\

• Stress and document periodic calling on customers to capture ongoing businesses and encourage reliance on QNB.

• Stress account management to enhance utilization of lines.

• Restrict excess/ casual facilities and maintain the relationship within the approved boundaries

• Identify and timely report on all negative events and early signals on potential problematic accounts/ relationships.

• Obtain all requisite facility and account documentation to ensure each customer's file is current with valid legal documentation to secure/ protect the bank's interests.

• Identify opportunities and resolve problems with customer relationships and coordinate appropriate measures with concerned departments to ensure consistent, timely and accurate delivery of products and services to assigned CB customers.

• Coordinate with line departments and counterparts to communicate, discuss and resolve-problems in a teamwork fashion.

Qualifications

• University graduate preferably with a Major in Finance, Banking, Economics, Business Administration or Law (related field of study),

• 10+ years’ experience of in credit within a banking institution

• Good oral and written communication skills (incl. report writing) in English; depending on each country requirements Arabic or French may be required.

• Good Knowledge in the following areas ;

  • Banking and IT applications.

  • Current regulations and financial instruments.

  • Bank accounting procedures.

  • Banking products and services.

  • Regulatory and tax matters.

  • Self-discipline, initiative, organizational skills & relations building skills