Narrative Description:
Establish and develop a portfolio of commercial clients across different segments pro-actively, attracting new ones while maintaining the relationship with the existing clients and build a strong relationship with company clients. The role is responsible for identifying business opportunities, structuring financial leasing solutions, ensuring the efficient and timely execution of transactions by conducting financial analysis and managing the transactions end-to-end, in compliance with FRA regulations, internal policies, and company standards.
Duties & Responsibilities:
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Responsible for the service and development of the assigned corporate client portfolio in terms of strategic acquisition and regular on-site visits to achieve financial targets.
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Drive new business acquisition while nurturing, retaining, and expanding the existing client portfolio through regular visits.
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Act as the primary point of contact to guarantee high service quality, maximize customer satisfaction, and ensure long-term client retention.
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Maintain and develop strong relationships with bank branch networks, supporting Relationship Managers to enable the generation of new leasing business leads.
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Assist in monitoring market trends and competitor activities to identify new business opportunities and enhance product offerings.
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Set effective client-specific action plans and pipelines covering planned visits & identified business opportunities to share with Team Leaders for review.
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Analyze client financial statements and business performance to evaluate financing viability and needs.
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Assist in structuring comprehensive leasing transactions, including pricing, tenors, repayment schedules, and asset alignment according to company policies and procedures.
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Prepare, present, and submit leasing proposals and documentation to designated internal approval authorities.
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Work closely with Credit, Risk, and other internal departments to ensure thorough assessment and timely approvals.
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Ensure the correct functioning and completion of the entire transaction lifecycle from initial origination and structuring through booking, disbursement, and post-booking follow-ups.
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Maintain synergy and collaborate with suppliers and vendors regarding asset selection, pricing negotiations, procurement, and final delivery terms.
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Ensure the accurate legal execution of leasing contracts and guarantee that all transaction documentation is fully completed.
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Analyze overall portfolio performance and client utilization to identify early warning risk signals and take swift corrective actions.
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Provide support to the concerned departments whenever required in collection and recovery activities and maintain client relationships & business continuity.
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Contribute actively to the achievement of overall department objectives & assist in implementing strategic initiatives.
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Ensure the correct archiving of accurate client records and fulfill periodic reporting requirements dictated by internal management, Compliance, and FRA regulations.
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Ensure the correct functioning and implementation of the Permanent Supervision, Compliance and Money Laundering, Operational Risk, and Workplace Success Guidelines whenever and wherever possible.
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Ensure correct adoption of policies and procedures in order to guarantee that QNB business is conducted in compliance with Local Laws, Internal rules and regulations, as well as, International Standards.
Education:
Bachelor’s degree in commerce, Business Administration, Finance, or Economics. Credit Course is recommended. Minimum 4 years of relevant experience / background in financial leasing, corporate banking, SME Finance or CRM.
Skills:
Strong analytical and financial structuring skills.
Good understanding of leasing and financing techniques.
Strong sales and relationship management skills.
Good negotiation and communication skills.
Ability to manage complex transactions and multiple stakeholders.
Ability to review and guide team members’ work.
Strong business acumen and market awareness.
Target-oriented and customer-focused.
Ability to deliver results. Fluency in Arabic and English written/spoken.
Very good computer knowledge.
