Person

The incumbent will implement proper procedures in obtaining, preparation and finalization of legal documentation and other supporting documents [in form and substance adhering to highest industry and market standards] which are essential for completing a loan application package.

The incumbent will ensure necessary approvals are in place prior to execution of such documents in accordance with the QNB Group’s policies / procedures and pertinent regulatory requirements

Experience

Ensure strict confidentiality (on a need to know basis only within QNB Credit Risk Division) with regards to customer and deal data and information handled by the Department / Unit.

Ensure that all policies, procedures and guidelines of QNB, QCB and other relevant regulatory authority are complied with.

Customer (Internal & External):

Conduct the necessary checks and balances pertaining to documentation and limit inputs/ updates (to be carried out by Credit Operations) prior to authorizing disbursement of funds/ utilization of facilities to safeguard the Group interest.

Maintain open communication with customers, loan officers and relevant third parties to ensure proper and timely processing and submission of all applications / documents for processing.

Conduct smooth operations of the unit by ccoordinating activities with relevant Group business units to ensure the efficient and timely processing of credit documentation requirements and ensure performance of required tasks, meeting of stated specifications and standards, and adherence to the Turnaround Times (TAT), as specified in the SLAs.

Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required.

Maintain strong and effective relationship with the all other related departments and units to achieve the Group’s goals/ objectives.

Provide high level quality support and advice on all aspects of documentation matters to various QNB Group business units.

Internal (Processes, Products, Regulatory):

Adhere to QNB Group’s policies and procedures particularly Credit Administration’s guidelines for documentation & loans process.

Effectively conduct the documentation & loan processes for designated borrowing relationships in the Group by enforcing service oriented but independent control over related processes.

Perform checklist requirements for loan documentation preparation and review process and ensure all requirements have been fulfilled. and facility applications have been appropriately authorized by the designated personnel.

Identify weak / defective aspects of credit applications / documents submitted for review and coordinate with the relevant unit to rectify the same.

Monitor irregular accounts with the Head of Credit Reporting and conduct periodic/ monthly reviews of the same.

Check the appropriateness, validity and enforceability of security documentation to protect the interests of the Group when required.

Qualifications

Bachelor’s degree in Business, Finance or equivalent.

Minimum of 5 years experience in a major bank entailing responsibilities for documentation & loan processing.

Good awareness of risk management principles, concepts and practices.

Excellent oral and written communication skills in English. Fluency in Arabic preferred.

Ability to make decisions and follow through with initiatives.

High Personal integrity and self-management.

Possess superior knowledge of the credit administration and related risks.

Good legal and documentation background.

Adequate knowledge of QCB and other international banking regulations and standards

Well-developed analytical and interpersonal skills.

Self-motivated, eye for detail.

Flexible team player and able to work and deliver under pressure