Summary

The incumbent is primarily responsible for the portfolio credit quality of the branches and / or subsidiaries allocated to him / her from time to time and supervising the unit having responsibility of reviewing and assessing the creditworthiness of credit proposals submitted by International Branches and majority owned or fully managed subsidiaries.

The incumbent will manage the assessment and approval process to ensure high standards of analysis, accuracy, clear presentation and identification of risks and militants in strict compliance with the policies and procedures of the bank.

The incumbent will constantly research and seek to apply best marker practice in credit risk in and in compliance with Basel Accords, QCB and other relevant regulatory guidelines.

Experience

• Know, understand and implement the Group’s Credit Policies and Procedures and directives set by the Credit Committee and Group Chief Risk Officer.

• Ensuring compliance with prescribed guidelines and procedures related to credit review and approval processes.

• Assist the EVP Group Credit with continuously improving and streamlining the credit review process and procedures of the bank to ensure a more efficient and productive credit operation.

• Pro-actively participating in the preparation / updating of policies and procedures to meet the needs of current market and working environment to protect the best interests of the bank and to ensure efficient and effective process flow of the Department’s functions.

• Assisting in the Production of portfolio, technical and MIS reports showing updated exposure details and breakdowns, activities of the unit and the performance of the unit against agreed KPIs.

• Maintaining market awareness in order to quickly respond to identified risk issues and potential problems as they arise.

• Performing credit assessments and providing well-reasoned credit decisions within the authority delegated to the incumbent.

• Ensuring compliance with established approved credit risk policies and procedures and ensuring a sound environment for identifying, measuring, monitoring and controlling credit risk.

• Ensure that required credit submissions, waivers or exceptions to credit policies and guidelines are thoroughly vetted and recommended if credit worthy for approval by the relevant level of approving authority within QNB Group.

• Coordinating with business unit Relationship Managers to ensure the timely receipt of customer documents/ other information required to evaluate the credit worthiness of the proposed borrowers.

• Supervising the assessment of credit proposals to ensure adequacy comprehensive analysis and the appropriateness of the Obligor Risk Rating and the Facility Risk Rating including (but not limited to) assessment of the requested facility and security and collateral provided, client’s business background and history, management, industry analysis, country analysis, external agency credit rating (if applicable), financial statements and cash flow analysis and the risk rating from the credit risk rating tool in use.

• Reviews of monthly/ quarterly portfolio reports submitted by International Branches and provide comments/ feedback where required.

• Review and provide recommendations on International Branch Business Strategies.

• Making soundly based and reasoned recommendations to the relevant approval authority in respect of proposal outside the incumbent’s delegated authority.

Qualifications:

• Bachelor’s/Master’s degree preferably with a Major in Marketing, Banking, Finance, Accounting, Economics,

• Business Administration or Information Technology (related field of study), Master’s degree or equivalent banking related training or Professional certification such as PRM, CPA, CFA is preferred

• Minimum of 15 year’s experience in a major international bank 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.

• 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, interest rate modelling [short rate models, VAR, and/or other complex financial risk modelling highly desirable.

• Good knowledge and experience in loan and security preparation and review.

• Strong analytical skills and ability to communicate both verbally and written with all levels of management.

• Superior knowledge of MS Word, Excel and Power Point applications for report presentations, financial analysis, cash flow projections, financial modelling.

• Coaching junior Department staff as required.

• Ability to inspire and motivate others to gain commitment and lead teams from diverse cultural backgrounds.