Role

The incumbent will responsible for assisting the Head of Credit Reporting in the production of detailed credit reports on the bank’s loan portfolio based on data and information provided by the MIS unit within Financial Control and the Portfolio Management Unit of Risk Division for the department’s internal purposes and for Senior Management review.  The incumbent will prepare, on a timely and accurate basis, valuable management reports, performance reviews and other reports including Problem / Impaired Loan Reports, Portfolio dynamics, composition and trends, various other reports to identify, monitor and manage concentration risks within the bank’s credit portfolio.

Responsibilities

Implement, achieve and or comply with Key Performance Indicators (KPIs) as specified by Head of Credit Administration.

Maintain 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.

Perform necessary checks pertaining to Credit Administration’s system to ensure reliability and data integrity to unit’s efficient operations and safeguarding of the Group’s interest.

Accurately and timely prepare various specialized credit reports for internal purposes on a regular periodic basis as prescribed, or on demand by Senior Management, internal or external auditors, compliance function, or regulators, as and when required,

Implement the Group’s Credit Administration policy set by the Head of Credit Administration.

Prepare technical reports showing performance against agreed KPIs.

Provide high quality, accurate and timely reports as required to monitor the bank’s credit portfolio.

Ensure data integrity, and perform periodic updates, of loan and collateral agreement terms and conditions into the data base system, and conduct proper monitoring and control.

Calculate value of traded collateral on a mark-to-market basis on periodic basis (depending on the type of the collateral) to determine correct exposure figures and ensure that the same are accurately reflected in the system.

Generate the Quarterly Credit Report which includes information from Early Warning/Remedial/ Portfolio Analysis 

Qualifications

Bachelor’s degree in Business or Finance (Further Education Preferred)

Minimum of 8 years experience in a major bank or comparable financial services or consultancy

Solid experience across the credit reporting function.

Adequate awareness of risk management principles, concepts and practices.

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

Excellent in PC applications – Excel, Word, Power point

Ability to make decisions and follow through with initiatives.

Personal integrity and self-management.