Relationship Manager – Real Estate

Job Description

<p><strong><u>Role Objective :</u></strong></p><p><br></p><p>The incumbent will be responsible of serving as the primary point of contact for the assigned portfolio of the Real Estate sector clients. 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.</p><p><br></p><p><strong><u>Roles and Responsibilities:</u></strong></p><p><br></p><ul><li>Contribute towards and assist in implementation of the Real Estate sector section strategy.</li><li>Support the team in the implementation of the strategy, annual business plans, budgets, policies and procedures of the Real Estate section.</li><li>Originate, maintain and develop relationships with the clients to expand Real Estate Sector credit portfolio.</li><li>Promote the Bank’s cash management, working capital, trade finance, payments, collections and other commercial products and services to realize growth objectives.</li><li>Enhance profitability of the section through sales of financial solutions to the Real Estate Sector entities, including but not limited to cash management, working capital, trade finance, payments, collections and other commercial services.</li><li>Coordinate with various Department/Section Heads within the Wholesale Banking function, to consolidate cross sales efforts.</li><li>Work independently with the assigned clients to understand their business needs and associated banking needs.</li><li>Receive and review credit applications from new or existing Real Estate sector clients.</li><li>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.</li><li>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.</li><li>Responsible for service and account management needs of designated Real Estate Sector clients of Doha Bank.</li><li>Follow and utilize the Real Estate Sector section credit processing systems and systems modules and stay aligned to the strategic objectives and mission of Doha Bank.</li><li>Manage daily account-related banking activities of the Real Estate Sector clients comprising the respective portfolio and provide directions and instructions to ARMs/Credit Analysts in this regard.</li><li>Review the banking transactions of portfolio customers on a daily/ weekly basis to ensure smooth running of their needs.</li><li>Promote appropriate Doha Bank products and receive mandate from clients to implement those products, including the coordination of core product pricing.</li><li>Coordinate with the Corporate Branch employees to ensure the smooth running of the Real Estate Sector clients’ banking needs and transactions.</li><li>Research the latest products and regulations pertaining to Real Estate Sector trends.</li><li>Continuously monitor financial standing of the Real Estate Sector clients under the respective portfolio.</li></ul><p><br></p><p><strong><u>Qualification &amp; Experience:</u></strong></p><p><br></p><ul><li>University graduate with a degree in Business or Banking or Finance or any other related discipline.</li><li>Master’s degree in Management any other related discipline will be an added advantage</li><li>Professional certification such as CFA/ CPA/ CA and or CMA is preferable</li><li>08-12 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.</li><li>Experience in business / relationship management in Real Estate sector, with strong understanding of the local banking industry.</li><li>Familiarity with best practices and standards in various economic sectors</li><li>Knowledge of wholesale banking</li><li>Understand broader industry trends relevant to Real Estate Sector</li></ul>