Relationship Manager

Relationship Manager

Job description

About QNB

Established 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.

Role 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.

Role Description:

Play a major role in the implementation of the strategies and plan to achieve all set volume, revenue and profit targets for the Corporate Banking function within the assigned country location and in accordance with QNB’s overall corporate budget and strategy. Come up consistently with business ideas to help boost revenues

Develop Key Performance Indicators (KPIs) for the purpose of performance monitoring and quality measurement of the Corporate Banking Unit and monitor their achievements on periodic basis.

Observes and promotes cost consciousness and efficiency, and enhance productivity, to minimize costs, avoid wastes, and optimize benefits for the bank. Act within the limits of the powers delegated to the incumbent and adheres to QNB policies

Develop and manage on a day-to-day basis potential corporate customers and assigned portfolio of existing customers to meet assigned financial and non-financial targets in compliance with established QNB credit policies, procedures and standards.

Build and maintain strong and effective relationships with all related functions / units to achieve assigned goals / objectives. Support with appropriate direction of work and duties for the ARM and support with relevant training and support.
Responsible for business development and origination as well as credit recommendations in favour of selected local and regional corporations

Provide timely and accurate information to the Senior RM & Head of Corporate & Institutional Banking and head office regarding credit and compliance issues in local and regional markets. To assist customers in all their queries on Bank’s product and seek solution to their requests

Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/ units to achieve improvements in turn-around time.

Build and maintain strong and effective relationship with all other related departments and units to achieve the Group’s goals/objectives. Provide timely and accurate information to the external and internal Auditors, Compliance, Financial Control and Risk Functions as and when required

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.


University graduate (Bachelors degree) preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study), Masters preferred
Excellent oral and written communication skills (including report writing) in English. Arabic, French or applicable local language highly desirable.

Ideal candidate should possess relevant relationship management experience built on sound credit background, typically with 5-7 years additional relevant banking experience.

you will be required to attach the following:
1. Resume / CV

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