Role Summary

The incumbent will be responsible for reviewing credit facility proposals for Corporate customers. The incumbent will provide analysis and assess the risk of the borrowers, proposed credit structures, security/collateral, and exposure levels, and the adherence to established policies, guidelines and credit procedures.

Role Description

• Ensure adherence to Group and QNB Group Risk Policies guidelines and procedures, and awareness of regulatory changes pertaining to credit risk. Assess policy impact on the Group’s risk profile, as guided and instructed by supervisors. Provide reporting and impact analysis processes as required on policy and regulatory changes.
• Build and maintain strong and effective relationships with the all other related departments and units to achieve the Group’s goals/ objectives.
  Provide timely and accurate information to the management, internal and external auditors and the Compliance function as and when required.
• Perform credit assessments, and comply with established/ approved credit risk policies, guidelines and procedures, and relevant laws and banking regulations.
• Coordinate with business unit Relationship Managers for the timely receipt of customer documents/ other information required to evaluate the credit worthiness of the proposed borrowers.
• Assist in the assessments on credit proposals by preparing reports and analysis of the various credit risk facets are completed and appropriate for the measurement of borrower and facility risks.
• Assign final risk ratings, including borrower rating and facility ratings, based on the underlying assessment which includes (but is not limited to) an assessment of the requested facility and security, collateral and guarantees provided, borrower’s management and background, industry analysis, country analysis, external agency credit ratings (if applicable), financial and cash flow analysis, and as applicable, the risk rating from the credit risk rating tool in use.
• Stipulate terms and conditions to mitigate the credit risk borne/faced by the Group.
• Ensure all obligors are assigned the appropriate credit ratings, and ensure annual reviews are done and updated on a timely basis.
• Support the Credit Risk Manager/Head of Credit 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.
• Coordinate activities with business units to ensure the timely processing of customer credit requests within established SLA requirements.

Qualifications

• Bachelor degree, preferably in finance, economics or related subjects.
• 6 years experience in a major bank’s risk function.
• Excellent oral and written communication skills in English.
• Good quantitative modelling, analytical, and research skills.
• Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements.
• Knowledge of financial markets and products.
• Good understanding of credit risk methodologies and/or other complex financial risk modelling would be highly desirable.
• Self-motivated, detail-orientation.