Assistant Relationship Manager

Role Summary

The Assistant Relationship Manager (ARM) is primarily responsible for
providing proactive and effective support to the Senior Relationship Manager
(SRM) so as to profitably enhance the daily management and development of the
SRM’s customer portfolio; in accordance with the business plan, credit policy
objectives and QNB procedures. The ARM also could act as an RM taking
responsibility for a designated portfolio to develop and profitably manage
banking relationships for business customers within their geographic territory
or industry/customer portfolio. This position functions as the backup resource
for the 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

Proactively assist in the implementation of the strategies and plans to
achieve all volume, revenue, development and profit targets for the SRM’s
customer portfolio.

Proactively support the SRM in the development of Key Performance Indicators
for the purpose of systematic performance monitoring and quality measurement
of the SRM’s function, customer portfolio development and the monitoring of
achievements.

Proactively support the SRM in upholding and monitoring full compliance with
prevailing best corporate banking practice.

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

Proactively support SRM in maintaining and developing customer relationships,
acting as an alternative to an SRM, as required.

To act in the full capacity of an RM taking responsibility for a designated
portfolio, as required.

Proactively support SRM 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 SRM’s and Corporate
Banking’s goals and objectives.

Proactively support the SRM 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 SRM 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 SRM 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 SRM to identify and timely report on all negative events and early
signals on potentially problematic accounts / relationships.

Assist the SRM to maintain the timely review of credit applications and
documents within set turn around time, in coordination with Credit Risk.
Support the SRM, and others as requested, in identifying weak aspects of
credit applications.

Assist the SRM in monitoring SRM’s customer credit positions for full
compliance with set limits and QNB’s Investment and Credit Strategy.

Support the SRM in the preparation of periodic Management and Business
Information reports to executive management, as requested.

In the absence of Credit Admin Role:
Liaise with HO credit admin on the credit documentation meeting the terms &
conditions as per approval.

Seek HO Credit Admin acknowledgment when needed for collaterals submitted and
supporting documents.

Seek HO Credit Admin Review and have the checklist completed for Credit
Operations to complete the remaining tasks

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.

Possess good knowledge of the corporate banking business; its products and
services, related risks, documentation, regulatory requirements and report
preparation together with a superior knowledge of controls.

Develop a good knowledge of SRM’s portfolio of customer’s business and needs.

Possess good IT skills to be able to compose correspondence and reports using
standard Bank platform and applications.

Takes responsibility for self-development as well as acquiring skills and
knowledge required to fulfilment of one's duties by proactively identifying
areas for professional development of self and undertake development
activities

Seek out opportunities to remain current with all developments in professional
field

Comply with all applicable legal, regulatory and internal compliance
requirements including, but not limited to, the QNB Country Compliance manual;
Group Compliance Policies and Procedures (Anti Money Laundering & Counter
Terrorist Financing, Sanctions Policy, Data Protection Policy, Fraud Control
Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing
Policy).

in accordance with the Branch Governance manual, contribute to and comply with
the Branch’s Risk Framework, consider Risk Appetite and promote a positive
Risk Culture:

Understand and effectively perform your role under the Three Lines of Defence
principle to identify, measure, monitor, manage and report risks.

Ensure systematic good outcomes for clients in accordance with Conduct Risk
policy.

Support the framework of RCSA, KRI, Incident reporting and remediation, as
appropriate, in accordance with the Operational Risk Management requirements.

Maintain appropriate knowledge to ensure to be fully qualified to undertake
the role. Complete all mandatory training provided by the Bank and attain and
maintain the required levels of competence.

Attend mandatory (internal and external) seminars as instructed by the Bank.

Qualifications

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.

At least ‎4-‎6 years relevant experience in the banking industry, preferably
with a large local / International Bank.

Well-informed of the market competitive structure, industry practices and any
regulations for the corporate banking customer segment.