Relationship Manager – Public Sector
As RM-Public Sector you will be charged with the responsibility of serving as the primary point of contact for the assigned portfolio of the Public Sector. The jobholder will work with existing clients to help them make the right decisions regarding their accounts and guide on the financial services and credit solutions on offer to them. The incumbent will also be responsible for identification of possible credit sales opportunities and generate new business for Doha Bank in terms of the sector. The incumbent will review credit applications and provide recommendations to the senior management on lending viability.
Detailed Roles and Responsibilities
Contribute towards and assist in implementation of the Public Sector strategy.
Support the team in the implementation of the strategy, annual business plans, budgets, policies and procedures of the Public Sector department.
Originate, maintain and develop relationships with the clients to expand the Public Sector credit portfolio.
Provide necessary support in active canvassing of and delivery of structured deals for the Public sector clients.
Support in generating / growing large ticket deals/deposits to ensure Public Sector section act as the main liability procurement channel.
Promote the Bank’s cash management, working capital, trade finance, payments, collections and other commercial products and services to realize growth objectives.
Enhance profitability of the section through sales of financial solutions to the Public Sector entities, including but not limited to cash management, working capital, trade finance, payments, collections and other commercial services.
Coordinate with various Department/Section Heads within the Wholesale Banking function, to consolidate cross sales efforts.
Work independently with the assigned clients to understand their business needs and associated banking needs.
Receive and review credit applications from new or existing Public Sector clients
Review Internal Credit Rating and RAROC for all lending clients and update same on annual basis or as and when a new facility is granted, new information available etc.
Conduct feasibility studies and sector outlook studies in order to provide better recommendations regarding credit applications.
Work closely with the ARMs/ Credit Analysts to examine the credit applications, including financial statements and translate the financial soundness of these clients onto credit assessments before providing credit recommendations to the Credit Committee.
Responsible for service and account management needs of designated Public Sector clients of Doha Bank.
Follow and utilize the Public Sector section credit processing systems and systems modules and stay aligned to the strategic objectives and mission of Doha Bank.
Manage daily account-related banking activities of the Public Sector clients comprising the respective portfolio and provide directions and instructions to ARMs/Credit Analysts in this regard.
Review the banking transactions of portfolio customers on a daily/ weekly basis to ensure smooth running of their needs.
Promote appropriate Doha Bank products and receive mandate from clients to implement those products, including the coordination of core product pricing.
Coordinate with the Corporate Branch employees to ensure the smooth running of the Public Sector clients’ banking needs and transactions.
Research the latest products and regulations pertaining to Public Sector trends.
Continuously monitor financial standing of the Public Sector clients under the respective portfolio.
Continuously monitor and document the progress of the Public Sector projects for which Doha Bank has provided funding and ensure that advancement is as planned.
Maintain good working relationship with existing clients and ensure that their banking needs are being catered to, as per WSB policies and procedures.
Contribute towards initiating changes to the Public Sector banking credit module/ system, policies and procedures, as and when needed.
Educational Qualifications, Experience and Skills Required
Bachelor’s degree from a recognized university.
08-12 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline
Experience in business / relationship management in Large Corp. & Public Sector banking, with strong understanding of the local banking industry.
Understand broader industry trends relevant to Public Sector
Ability to assess quality and prospects for growth for Public Sector
Professional certification such as CFA/ CPA/ CA and or CMA is preferable