Relationship Manager
Qatar National Bank
Total years of experience :17 years, 3 Months
Performing credit risk analysis through financial risk parameters, discreet market checks and the companies’ financial statements inclusive of preparing financial spreads to determine overall client credit worthiness.
Financing products ranges from term loans, overdrafts, letter of guarantees, letter of credits, etc.
Structuring and preparing credit proposals for achieving optimum level of utilization with satisfactory credit standards and producing ongoing credit reviews.
Developing and broadening relationships with existing customers and prospects in the mid-market place and cross-selling relevant and value added financial products and services.
Seeking out new commercial banking customer with turnover up to CAD 30 Mio per annum.
Structuring and preparing credit proposals for achieving optimum level of utilization with satisfactory credit standards and producing ongoing credit reviews.
Developing and broadening relationships with existing customers and prospects in the mid-market place and cross-selling relevant and value added financial products and services.
Building new relationships through referrals from customers, suppliers, consultants, audit & accounting firms and internal partners.
Identifying, qualifying, preparing and executing effective sales strategies for competitive and revenue growth opportunities.
Identifying potential clients in the market, growing the portfolios’ revenues & meeting annual targets
Ensuring customer’s satisfaction and cooperating with other departments to insure best services
Preparing credit proposals by understanding client’s needs, assessing the financial performance and the management
Credit risk analysis through analysis of companies’ financial statements inclusive of preparing financial spreads to determine overall client credit worthiness
Cross selling other banking products with other units such as investments, treasury and wealth management
Client acquisition by identifying, marketing and engaging prospects inclusive of profiling clients by business type and their borrowing requirement
Acting as Unit Head at Industrial City of Abu Dhabi Center and Expanded Commercial client relationships of the center from USD 10 Mio up to USD 100 Mio
Developing Commercial Banking business for the bank by engaging various stakeholders in the domestic and regional business environment
Credit risk analysis through analysis of companies’ financial statements inclusive of preparing financial spreads to determine overall client credit worthiness
Preparation of credit proposals along with the review of credit proposals prepared by officers reporting to me. This also includes reviewing credit applications prepared by other officers in branches throughout the UAE
Cross selling other bank products such as cash management, treasury and investment products and services to existing client and prospective relationships to boost overall profitability of the bank
Collaborating with other relationship managers to determine the risk appetite of the department and ways to counter market shifts
Training new team members under my supervision
Liaise and provide guidance in areas particularly related to the provision of products and services to customer that include Term Loans, Overdrafts, Letter of Guarantees, Letter of Credits, etc.
Assisted relationship managers by identifying and contacting potential companies and maintaining client relationships
Contributed to the development of the SME Department in Abu Dhabi by targeting companies, with annual sales turnover between $1Mio and $25Mio
Assessed prospects’ and customers’ business operations, trade and working capital needs
Prepared and analyzed companies’ financial spreadsheets and credit requirements
Collaborated with relationship managers on determining risk profile and willingness to provide clients with credit facilities
Continue to deliver significant performance growth. Deliver the performance targets around critical integrations & alliances in the emerging markets that will deliver future growth