Supervision of Subordinates

• Organise and supervise the activities and work of subordinates to ensure that all work within a specific area of the activity is carried out in an efficient manner which is consistent with operating procedures and policy.
• Provide on-the-job training and constructive feedback to subordinates to support their overall development.

Budgets and Plans

• Contribute to the preparation of the budget and monitor financial performance versus the budget so that the business is aware of anticipated costs/revenues and areas of unsatisfactory performance are identified.

Business Development

• Identify the prospects within the relevant area, from referrals and use market knowledge to acquire new clients.Provide regular monitoring of market and competitive trends, strategies and key performance indicators, individual and departmental budgets on assets, deposits, interest and fee income, and cross sell.
• Actively undertake and maximise the cross-selling of products to a portfolio of the clients, as well as the marketing of new products and services to the client portfolio.
• Maximise client relationship profitability and ensure good asset quality and maximise the cross-selling of products and services to the client portfolio.
• Participate in regular, structured client meetings and ensure all key clients are personally met at least quarterly with higher frequencies for the top tier clients and circulate a call report on all calls/visits.
• Ensure opportunities are identified, market information on developments as appropriate is gathered and business referred to other teams is provided in a standard format.
• Ensure that risk assets portfolio is well managed and actively monitored, credit reviews are regular, and overall asset quality is preserved and improved.Identify negative trends and risk deterioration, and take timely corrective actions to reduce risk of NPLs and potential losses.
• Ensure that Facility documentation is completed to required standards, all security, covenants and conditions are complied. Consult with internal or external legal counsel on large and complex facility documents. Develop familiarity and basic skills in core documentation structures and principles.
• Maintain high compliance standards for assigned portfolio- AML, KYC requirements. Ensure timely responses and actions on internal and QCB audit and inspection reports.
• Build good product knowledge of all major bank products. Liaise with products and service specialists in order to best serve client needs.Suggest introduction of new or amend existing products to suit market trends and customer needs.
• Review, monitor and follow up the department portfolio in terms of facilities, accounts transactions arrears, past dues.

Skills

Other Accountabilities

Continuous Improvement

• Motivate subordinates and contribute to the identification of opportunities for continuous improvement of systems, processes and practices taking into account ‘international leading practice’, improvement of business processes, cost reduction and productivity improvement.

Policies, Systems, Processes & Procedures

• Recommend improvements to departmental procedure and direct the implementation of instructions and controls covering a specific area of activity so that all relevant procedural/legislative requirements are fulfilled while delivering a quality, cost-effective service.

Quality, Health, Safety, & Environment

• Ensure compliance to all relevant quality, health, safety and environmental management procedures and controls within a defined area of activity to guarantee employee safety, compliance, delivery of high quality products/service and a responsible environmental attitude.

MIS and Reports

• Prepare departmental MIS statements and reports timely and accurately to meet CBQ and department requirements, policies and standards.

Related Assignments

• Perform other related duties or assignments as directed.                   

Key Interactions

Internal

• Unit Heads/Team Leaders/Group Head Corporate Banking
• Corporate Branches
• Credit Administration
• Treasury/FI
• Audit
• Legal

External

• State Bank
• External Auditors
• Clients
• Other Banks
• Government Representatives

Competencies

• Integrity/Ethics
• Interpersonal Skills
• Planning
• Quality
• Risk Management

Skills

• Arabic speaking preferred
• Communications
• Interpersonal Skills
• Negotiations
• Numerical skills

Education

• Bachelor’s Degree, preferably in Finance, Accounting, and or Management - related major