QNB2051-Senior Officer International Retail Credit
QNB Group
منذ 22 ساعات
source : tanqeeb

About QNB

QNB Group, the largest Financial Institution in the Middle East and Africa are looking to hire a Senior Officer International Retail Credit, 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.


The incumbent is responsible for the reviewing of proposals for extension of credit facilities for the bank’s customers which are submitted by the International Branches and Core Subsidiaries, based on authority limits, and to submit a summary recommendation for approval by the relevant authority.

The ideal candidate will also provide technical and consultancy support and assistance to QNB International Branches and Core Subsidiaries with respect to 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 and approvals within his / her authority limits.


  • 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
  • Assists the International Branches and Subsidiaries to ensure that all credit transactions entered into by the bank adhere to the bank’s established policies and procedures, including regulatory and compliance requirements and local branch / subsidiary strategies, as well as following the highest international market and industry standards and norms.
  • Assess 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, so that the portfolio default rate of the bank will be kept at acceptable market and banking industry levels.
  • Recommend rejection of un-suitable credit proposals due to (but not limited to) non-credit worthy borrowers, weak facility structures, non-acceptable terms and conditions, and or un-reliable or un-satisfactory financials, as well as those transactions that do not adhere to bank’s policies and objectives, and regulatory and compliance regulations.
  • Ensure that all recommendations for credit approvals meet overall policy guidelines and QCB regulations and to stipulate terms and conditions to mitigate the credit risk borne / faced by the Group.
  • Work towards improving overall Group retail credit portfolio in International Branches and Core Subsidiaries by ensuring sound credit screening and comprehensive due diligence process in accordance with required bank policies, procedures and guidelines and international market’s credit risk best practices.
  • Address / facilitate correction of any weaknesses identified during assessments, audits, or examinations in International Branches and Core Subsidiaries or within Department.
  • Contribute to coordination of Retail Credit activities of International Branches and Core Subsidiaries with business units to ensure the timely processing of customer credit requests within established TATs.
  • Developing and maintaining strong professional relationships with the Retail Credit teams and management in International operations, with QNB Group Retail Credit and QNB International Division.
  • Working closely as required with the Credit Risk Acceptance Criteria team in Group Credit Policies and Governance and the International Retail team to review Subsidiaries’ and International Branches’ Retail approval criteria and credit strategy.
  • 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 :

  • Resume / CV
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