Relationship Manager
Qatar International Islamic Bank
Total years of experience :22 years, 0 Months
Participate in preparing & implementing the marketing plan to achieve set targets & increase the bank market share.
Prepare team annual budget and set targets for subordinates.
Supervise and train subordinates including motivation and performance appraisal.
Managing the relationship between the bank & corporate customers by meeting with outstanding/ potential borrowers to discuss their financial requirements and needs and provide professional advice, suggestion and options from the range of available banking products and services.
Solicit new business from existing and potential customers to achieve set targets in terms of growth in total assets of assigned portfolio, revenue, and number of customers besides maintaining satisfactory quality related indicators.
Prepare/review credit proposals prepared by subordinates for potential/outstanding borrowers and ensure that its quality is within acceptable standards. Structure limits, review account strategy, formulate recommendations and discuss proposal with credit committee.
Prepare required documentation following obtaining final approval in line with approval terms and conditions and in compliance with bank’s policy.
Leasing with various internal departments for smooth and quick turnaround of transactions.
Keep up-to-date team MIS. Day-to-day management of the portfolio, monitor cash-flows and operate limits accordingly for financed projects.
My portfolio is composed of 64 medium to large size customers. 70% of my portfolio is contracting and real estate accounts. Rest of 30% is trading and manufacturing.
Turnover of my customers is AED 250M on average basis (excluding top tier customers whose turnover is between AED 2Bn - AED 3.5Bn).
The size of assigned portfolio is AED 4.8Bn in terms of funded and non funded facilities.
During this role I had extensive experience in syndication finance where I am handling three syndication deals two of which are related to Doha Metro project.
Participate in preparing & implementing the marketing plan to achieve set targets & increase the bank market share.
Managing the relationship between the bank & corporate customers by meeting with outstanding/ potential borrowers to discuss their financial requirements and needs and provide professional advice, suggestion and options from the range of available banking products and services.
Generate new business from existing and potential customers to achieve set targets taking into account risk / return targets are met.
Studying & analyzing credit application for potential/outstanding borrowers. Analyze financials, structure limits, formulate recommendations and prepare full proposal packages.
Implementation proper and accurate risk rating as per bank's credit policy.
Review documentation prepared by CAD to ensure that it is prepared as per approval terms and conditions and in compliance with bank’s policy.
Leasing with various internal departments for smooth and quick turnaround of transactions.
Supervise and train credit analysts and credit officers as and when required.
Day-to-day management of the portfolio, monitor cash-flows and operate limits accordingly for financed projects.
During this role I handled a portfolio comprised of, on average basis, 30 customers over 5 years. The business of my customers was mainly contracting comprising 80% of my portfolio and rest of 20% was real estate. Turnover of my customers was generally in range of AED250M besides over one billion for top tier customers. The size of assigned portfolio was, on average basis, AED 2.5Bn in terms of funded and non funded facilities. Annual net income of my portfolio was in range of AED35M. During this post I had exposure to finance mega projects of different types and I gained special experience for restructuring indebtness of delinquent contractors who defaulted as a result of insolvency major project owners such as Nakheel due to market conditions then following global financial crises which took place in 2009.
Main duties :
To assess, prepare and recommend credit proposals both for existing and prospective clients in line with Bank’s Credit policy in co-ordination with the Relationship Managers.
Coordinating with the business units and RMs well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
To manage an assigned portfolio of corporate borrowing accounts and maintain healthy portfolio position through quality credit reviews including identifying relevance and materiality of risk issues and value addition by way of suggesting appropriate financing structure and covenants that mitigates risks identified which, in turn, integrate business role and optimize overall performance and ensure that bank’s rights are protected. All tasks in the role to be completed within the agreed timelines/turnaroun time.
Monitoring accounts for utilization of limits, compliance with approval terms & conditions, follow up and coordinating with business units to ensure timely regularization of the accounts in terms of excesses, past dues and deficiency in documentation.
I had an exposure through this role to all industry sectors including trading, manufacturing, contracting and real estate. In addition, I had exposure to large-scale and medium-scale market segments.
Main duties :
To assess, prepare and recommend credit proposals both for existing and prospective clients.
To manage an assigned portfolio of corporate borrowing accounts and generates business from existing and new customers.
I had exposure through this role to large corporate, syndication and project finance.
Main Duties :
Check the approved or amended credit, to ensure they are accordance with the bank's policies and procedures.
Check that the prepared documents, for the approved or amended credit, are according to the credit approval conditions and procedures to ensure the bank's rights.
Ensure all credit applications are approved by authorized credit approvers holding adequate credit authority discretions.
A cumulative average is 81.5 %, Rating: Very Good and one of top 10 amongst those graduated in the same semester