Domestic Retail Credit Officer
Qatar National Bank
منذ 5 يوم
source : ExploreJobs

DohaRoleThe 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.

ResponsibilitiesAssesses 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 recommendationsAssesses 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 analysesEnsures that all credit relationships the bank adhere to established policies and proceduresMeet 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 obligorsRecommends rejection of un-suitable credit proposals due to non-credit worthy borrowers and those transactions that do not adhere to bank’s policiesApproved / rejected proposal by the Credit Department and assess the validity of the approvals in order to propose amendments to the retail credit policyReview the Rejected application and assess in recommendingQualificationsUniversity graduate with a degree preferably in finance, accounting, economics or related subjectsMinimum of 6 years’ experience in a major international bank in a corporate or risk functionSolid 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 servicesExcellent oral and written communication skills in English and ArabicSolid understanding of accounting principles and financial analysisGood quantitative financial modelling, analytical, and research skillsProficiency in risk concepts, banking products / operations / systems, pertinent regulatory requirements, International Accounting Standards and related pronouncementsSound understanding of relevant loan / derivative documentation (LMA / ISDA etc)Knowledge of financial markets and productsGood team player, capable of professional inter-personal interactionSelf-motivated

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