QNB- Manager Relationship Management KYC; Omanization

Job Purpose Summary

The role is primarily responsible for carrying out the preliminary financial and industry analysis for the existing and prospective clients handled by the Corporate and Institutional Banking Business, in adherence to the Credit Policy Guidelines and the Standardized Procedures. The role is also responsible for supporting the Relationship Managers in conducting the preliminary review of AML/KYC documents for the existing and New-To-Bank clients, besides providing proactive and effective support to the Relationship Managers by liaising with internal support units and stakeholders to ensure the best customer experience, higher share of client’s wallet and development of the portfolio.

This position is expected to act as backup resource for Relationship Managers in their absence and is expected to gain full knowledge of the complete range of products and services offered by QNB Group, including credit, trade, transaction banking, deposit services, international transactions and other specialised services.

• Shareholder & Financial:
• Proactively assist the Relationship Managers in undertaking the financial and industry (sectoral) analysis so as to complete new and review/renewal credit appraisals in time.
• Proactively undertake internal obligor risk ratings, feed the same into the bank’s internal/external rating tools to develop rating reports and spreadsheets.
• Proactively support the Business Unit in reviewing the client’s constitutive documents to uphold and monitor full adherence and compliance with prevailing best corporate banking practices.
• Proactively support the Business Unit and Relationship Managers in liaising with internal support units for quick and smooth delivery of services.
• Proactively assist in implementing the strategies and plans to achieve all volume, revenue, development and profit targets for the Business Unit’s customer portfolio.
• Observes and promotes cost consciousness and efficiency, and enhances productivity to minimise costs, avoid wastes and optimise benefits for the bank.
• Proactively support the Business Unit in developing key performance indicators for systematic performance monitoring and quality measurement of the Business Unit’s function, customer portfolio development and monitoring of achievements.
• Act within the limits of the powers delegated to the incumbent and adhere to QNB policies.
• Customer (Internal & External):
• Proactively support the Business Unit in maintaining and developing customer relationships, acting as an alternative to Relationship Managers when required.
• Proactively support the Business Unit in dealing with and resolving customer problems and requirements, in coordination with appropriate in‑house and external support functions, to ensure timely, friendly and accurate responses and provision of bank products and services.
• Provide timely and accurate information to external and internal auditors and the corporate banking compliance function as required.
• Build and maintain strong and effective relationships with all related functions and units to assist in the achievement of the corporate banking goals and objectives.
• Internal (Processes, Products, Regulatory):
• Proactively support the Business Unit to manage on a day‑to‑day basis both potential new customer targets and existing customers to meet assigned financial and non‑financial targets, in compliance with QNB policies, procedures, regulations and prevailing best practices.
• Assist the Business Unit in preparing comprehensive credit proposals for new/prospective customers that adequately address all relevant risk factors and satisfy minimum acceptable standards of QNB corporate credit.
• Assist the Business Unit in preparing comprehensive credit reviews for existing customer facilities at least one month before limit expiry, addressing all relevant and current risk factors and the latest developments in the industry, market and business.
• Assist the Business Unit in identifying and reporting all negative events and early signals on potentially problematic accounts/relationships.
• Assist the Business Unit in maintaining timely review of credit applications and documents within set…