Domestic Retail Credit Officer Domestic Retail Credit Officer …

Qatar National Bank (QNB)
in Doha, Dawhah, Qatar
Permanent, Full time
Last application, 29 Mar 20
Competitive
Qatar National Bank (QNB)
in Doha, Dawhah, Qatar
Permanent, Full time
Last application, 29 Mar 20
Competitive
Qatar National Bank (QNB)
Domestic Retail Credit Officer
About QNB
QNB Group, the largest Financial Institution in the Middle East and Africa are looking to hire a Domestic Retail Credit Officer, to meet the expansion needs of our office in QNB - Qatar//Doha.
QNB has enjoyed continued success with Net Profits of QAR 10.8 billion (USD3 billion) in 2018 (up by 6%) and increased Total assets to QAR 853 billion (USD 234 billion). The Group now employs over 29,000 employees in 1,200 locations, with an ATM network of more than 4,300 machines.

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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