QNB2152 - Domestic Retail Credit Officer

  • Business Unit
    QNB - Qatar
  • Division
    Risk Management
  • Department
    Risk Management
  • Country
    Qatar
  • Closing Date
    21-May-2020
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

The incumbent is primarily responsible for reviewing submitted largely for the purpose of renewing existing credit exposure entered into by QNB (Annual Reviews)  proposals which are submitted by the Retail Banking and Private Banking and Wealth Management business areas of the bank and International Retail Banking business areas of the bank including branches, and subsidiaries and affiliates.

 

Responsibilities
  • Assesses the credit worthiness of counterparties and prepares a summary assessment for approval by the relevant authority (up to Group Credit Committee level)
  • Provides technical and consultancy support and assistance to subsidiaries and affiliates with respect to retail 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
  • 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 
  • Ensures that all credit relationships the bank adhere to established policies and procedures
  • Meet the bank’s required credit approval process by assessing all relevant aspects of the borrower / project / transaction and ensures that all types of risks pertinent to the proposed credit facility are properly identified and mitigated in order to avoid default by the borrowers and obligors
  • Recommends rejection of un-suitable credit proposals due to non-credit worthy borrowers and those transactions that do not adhere to bank’s policies 
  • Approved/rejected proposal by the Credit Department and assess the validity of the approvals in order to propose amendments to the retail credit policy
  • Review the Rejected application and assess in recommending
Qualifications
  • University graduate with a degree preferably in finance, accounting, economics or related subjects
  • Minimum of 6 years’ experience in a major international bank in a corporate or risk function
  • Solid experience in 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
  • Excellent oral and written communication skills in English and Arabic
  • Solid understanding of accounting principles and financial analysis
  • Good quantitative financial modelling, analytical, and research skills
  • Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements
  • Sound understanding of relevant loan/derivative documentation (LMA/ISDA etc)
  • Knowledge of financial markets and products
  • Good team player, capable of professional inter-personal interaction
  • Self-motivated

 

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