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/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 thus is expected to gain full knowledge over the complete range of products and services offered by QNB Group. These will typically include credit, trade, transaction banking and deposit services, as well as international transactions or other specialised services.
- Proactively assist the Relationship Managers in undertaking the Financial and Industry (Sectoral) analysis, so as to complete the New & Review/Renewal Credit appraisals in time.
- Proactively undertake the Internal Obligor Risk Ratings, feed the same in Bank’s internal/external rating tools to develop the 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 the prevailing best corporate banking practices.
- Proactively support the Business Unit/Relationship Managers in liaising with the internal Support Units for quick and smooth delivery of services.
- Proactively assist in the implementation of 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 minimize costs, avoid wastes, and optimize benefits for the bank.
- Proactively support the Business Unit in the development of Key Performance Indicators for the purpose of systematic performance monitoring and quality measurement of the Business Unit’s function, customer portfolio development and the monitoring of achievements.
- Act within the limits of the powers delegated to the incumbent and adheres to QNB policies.
- Proactively support the Business Unit in maintaining and developing customer relationships, acting as an alternative to Relationship Managers, as may be 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 / services.
- Provide timely and accurate information to the external and internal auditors and Corporate Banking’s compliance function, as and when required.
- Build and maintain strong and effective relationships with all other related functions / units to assist in the achievement of the Corporate Banking’s goals and objectives.
- Proactively support the Business Unit to develop and 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 and procedures, regulations and prevailing best practices.
- Assist the Business Unit to prepare 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 to prepare comprehensive credit reviews for existing customer facilities, at least one month before limit expiry, that adequately address all relevant and current risk factors and the latest developments in the industry, market and business.
- Assist the Business Unit to identify and timely report on all negative events and early signals on potentially…
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