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Ref: SP638-10

Job description / Role

Employment: Full Time

• To assume primary responsibility for developing/ managing/ improving existing and new credit relationships along with enhancing portfolio diversification, continuous follow-up on various ailing borrowers regarding cash recovery/declassification, and maintaining working relationship with internal stakeholders of Branch and Head office (e.g. IFRG, CMG, etc.) to improve business response and turnaround time.
• Undertaking KYC/ CDD, AML & CFT checks for both existing & new customers.
• To supervise timely preparation of quality credit line proposals by undertaking in depth analysis of: financial & market position, security/collateral, technical capability of the borrower and calculation of risk rating inter-alia other checks for evaluating creditworthiness of the Customer, thereby negotiating competitive pricing, collateral and other terms of loans for existing as well as potential clients at the time of establishing / renewing credit relationships.
• To be well versed with all lending policies & procedures of the Bank together with regulatory requirements and keep all the team members fully updated ensuring that the credit/ lending functions are managed in line with the Bank’s laid down credit policies & procedures and is in compliance with all regulatory requirements.
• To achieve the Key Performance Indicators (KPIs) assigned in terms of asset book building, To coordinate regularly with peers, colleagues, managers at Branch / Head Office for feedback on key business performance and risk indicators.
• Implementing and maintaining complete control aspect i.e periodical client visits, call reports, formal credit checking, informal market feedback to monitor the assigned portfolio effectively.
• To ensure stringent monitoring of Bank’s exposure to the different industries lending portfolio by regularly evaluating and mitigating the risks associated with portfolio, managing delinquent accounts on a timely basis and ensuring suitable remedial measures are taken to secure payments and the Bank’s interest and keeping the portfolio returns acceptable.
• To be able to develop and maintain a database of key economic indicators and relevant industrial numbers used for trend analysis. This should then be used to analyze the obligor’s position in it.
• To closely monitor industry trends & economic changes effecting clients’ position & pass on information to the team members at Branch and also to Head office and keep the informed / abreast of such developments.
• To ensure close liaison is maintained between Head office, CAD at HO with respect to maintenance of record & documents, allowance/alteration of allowed limits.
• To coordinate with internal/external auditors to achieve satisfactory audit rating & ensure implementation of audit recommendations.
• Liaising with local lawyers / valuators/ insurance company other professionals to cover legal aspects /Recovery Process / evaluation of collateral securities for performing and non-performing loan accounts.
• To be able to translate Arabic documents in English if desired or to ensure that documents in Arabic are true translations.
• To ensure timely submission of periodical returns to Head Office.
• Act as Member & Secretary of Branch Credit Committee, Riyadh.
• Any other responsibility as assigned by the competent authority from time to time


• Having 5+ years of experience in handling credit proposals of corporate SME clients in KSA with a proven track record of expanding loan portfolio of the bank.
• Has an exposure of project financing, trade financing.
• Preparing credit proposals and making financial analysis.

About the Company

National Bank of Pakistan is largest state owned bank operating in Pakistan. It has redefined its role and has moved from a public sector organization into a modern commercial bank. The Bank's services are available to individuals, corporate entities and government. While it continues to act as trustee of public funds and as the agent to the State Bank of Pakistan (in places where SBP does not have presence).

National Bank of Pakistan has built an extensive branch network with over 1313 branches in Pakistan. It has agency arrangements with more than 3000 correspondent banks worldwide. Its subsidiaries are Taurus Securities Ltd, NBP Exchange Company Ltd, NBP Capital Ltd, NBP Modaraba Management Company Ltd, and CJSC Bank, Almaty, Kazakhstan. It has recently opened a subsidiary in Dushanbe, Tajikistan.

The bank has global presence having 23 overseas branches in 11 countries. The bank also has a representative office in China and Canada.

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Relationship Manager salaries in Saudi Arabia

Average monthly compensation
SAR 13,500

Breakdown available for industries, cities and years of experience