QNB3427 - Assistant Vice President - Relationship Management-(Omanization)

About QNBEstablished in 1964 as the country’s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region. QNB Group’s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.

QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard & Poor’s (A), Moody’s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications. Based on the Group’s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine. QNB Group has an active community support program and sponsors various social, educational and sporting events.

SummaryThe 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.

ExperiencePrepare 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.

QualificationsUniversity 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 institutionGood 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 skillsNote: you will be required to attach the following: Resume/CVCopy of Passport or QID Copy of Education Certificate