QNB1404 - Senior Credit Officer

Business Unit: -
Division: -
Department: -
Country: Qatar
Closing Date: 01-Feb-2016
About QNB

QNB Group, the largest Financial Institution in the Middle East and Africa are looking to hire a Senior Credit Officer, to meet the expansion needs of our office in .

QNB has enjoyed continued success with Net Profits of QAR 10.8 billion (USD3 billion) in 2018 (up by 6%) and increased Total assets to QAR 853 billion (USD 234 billion). The Group now employs over 29,000 employees in 1,200 locations, with an ATM network of more than 4,300 machines.


The incumbent is primarily responsible for initial review and assessment of proposals for extension of credit facilities for the bank’s customers which are submitted by the Corporate Banking and International Banking business areas [including branches, subsidiaries and affiliates] of the bank for approval, as well as assessing credit worthiness of courter-parties that require credit limits to support the operational requirements of the FI, Treasury, Brokerage and Operations units of the bank.

The incumbent provides technical and consultancy support and assistance to Group subsidiaries and affiliates [as requested or directed] with respect to credit related matters, including but limited to sharing of pertinent data and information, guidance on policies and procedures, conducting credit analysis, reviews and assessments, and providing credit recommendations.

The incumbent assesses the business viability, management, technical, marketing, and production quality,  and credit worthiness of various borrowers, obligors, projects and counterparties to ensure the satisfactory repayment of debt service requirements in accordance with the terms and conditions of the proposed credit facility by conducting thorough due diligence using comprehensive financial and credit analyses including but not limited to verification of customer’s / project’s business and operational data, scrutiny of historical and projected financial statements, and validation of feasibility, industry and market studies, consultants’ reports and other relevant data supporting the credit application. 


Manage total The Groups Corporate, and International Credit Portfolio

Proactively ensures the objectives and key result areas of the department are complied and met, if not surpassed by supporting the Head of Corporate Credit, and other Group Risk Division staff by performing required tasks and activities which help identify and mitigate risks and by ensuring that the Department’s functions are conducted within the approved Credit Risk Strategy and guidelines that reflects the Group’s tolerance for risk and the level of profitability the Group expects to achieve for incurring such various credit risks;

Ensuring the highest standards of due diligence, credit and financial analysis and screening to ensure that non-creditworthy customers / projects are not granted credit facilities.

Actively participating in the evolution and upgrading of credit policies & procedures, as well as developing the Credit Application to a more professional and universal standard;

Proactively uses prescribed processes for evaluating credit proposals ensuring that all approved credits are within The Group Credit Risk Strategy and in compliance with the bank’s policies and procedures


University graduate with a degree preferably in finance, economics or related subjects.

MBA or equivalent banking related training (preferred but not required)

Minimum of 10 years experience in a major bank [or comparable financial services or consultancy company] in a corporate or risk function especially doing financial analysis and modelling, credit assessment, financial packaging, structuring of credit facilities, and excellent knowledge of bank’s lending and non-lending products and services.

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