QNB1510 - Credit Analyst

Business Unit: -
Division: -
Department: -
Country: Saudi Arabia
Closing Date: 28-Aug-2016
About QNB

Established in 1964 as the country’s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.

QNB Group’s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.

QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard & Poor’s (A), Moody’s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.

Based on the Group’s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.

QNB Group has an active community support program and sponsors various social, educational and sporting events.

Role Summary: Within the Credit department, the role will be responsible for reviewing credit facility proposals for Corporate and Private Banking customers. The role will provide analyses and assess the risk of the borrowers, proposed credit structures, security/collateral, exposure levels and the adherence to established policies, guidelines and credit procedures.
Role Description:

You will perform credit assessments and comply with established/approved credit risk policies, guidelines,  procedures and relevant laws and banking regulations. You will coordinate with the Relationship Managers for the timely receipt of customer documents and  other information required to evaluate the credit worthiness of the proposed borrowers.

You will assist in the assessments on credit proposals by preparing reports and analysis of the various credit risk facets. You will assign final risk ratings, including borrower rating and facility ratings, based on the underlying assessment.

You will liaise with Centralized Credit department in Doha to process applications and with the Credit Administration department in Singapore.

You will ensure all obligors are assigned the appropriate credit ratings, and ensure annual and watch-list reviews are done and updated on timely basis. In addition, you will support the Head of Risk, Singapore in preparing recommendations to extend, decline, or request further structuring/guarantees/collaterals to the transactions to minimize credit risk and meet QNB Group credit risk standards

You will also assist in the development and preparation of regular and ad hoc credit risk reporting and support the Head of Risk, Singapore in making further enhancements to the risk management framework.


The successful candidate will possess at least a Bachelor degree (or equivalent) with at least 5 years of relevant experience in a major bank’s risk function. He/she must demonstrate proficiency in risk concepts, banking products/operations/systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements. In addition, an understanding of credit risk methodologies and/or other complex financial risk modelling would be highly desirable.

Please consider that QNB will only accept direct applications - No applications from recruitment agencies will be considered.

Note: you will be required to attach the following:
1. Resume / CV
2. Passport Copy