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 : You will manage the Loan Admin. & Agency Service Unit in such a manner as to protect the Group from undue credit risks by providing investigative, analytical, operational and administrative support. Responsibilities :
Responsible for developing an operating budget for the Loan Admin. & Agency Service Unit and continuous monitoring thereof.
Assist in meeting units’ budget, controlling costs and achieving targeted level of processing volumes.
Create Key Performance Indicators (KPIs) for performance monitoring and quality measurement purposes for the Loan Admin.
Agency Service Unit and monitor their achievement on periodic basis.
Build and maintain strong and effective relationship with all other related departments and units to achieve the Group’s goals / objectives.
Maintain activities in accordance with Service Level Agreements (SALs) with internal departments / units / to achieve improvements in TAT with respect to corporate credit processing.
Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required.
Respond to all management requests / reports. Review and follow up on management reports in a timely manner.
Set procedures for the timely review of all corporate loan proposals, ensuring staff follow set procedures for receiving, processing, checking and filing loans documentation
Ensure adherence to the Group's policies and procedures by all reporting staff.
Control and authorize corporate loans by coordinating settlement and disbursement of loan
Liaise with Group Compliance on QCB related compliance issues, and with the Group Risk.
Ensure accurate and timely preparation of management information system (MIS) and other reports related to the credit process and portfolio.
Ensure regular updating in the system of various credit-related data in the Group’s system to aid decision-making.
Provide a second level of control over loan documentation that must be safeguarded under dual control.
Ensure that all collaterals are restricted and controlled; shrinkages in collateral value are properly identified and evaluated.
Obtain and compile copies of loan applicants' and other financial information.
Oversee loan drawdowns, rollovers, interest setting, repayments, fees collection and payment scheduling.
Follow up on outstanding loan documents as per established procedures.
Maintain data accurately in the Group’s systems relating to loan facilities, transactions and customer data.
Ensure that all reporting employees have been apprised of the loan administration policy.
Review the excesses over the lending limits and report them to the Head of Central Corporate Loans for action.
Verify that the disbursement agrees with the contract and the loan complies with the Group’s policies.
Ensure that loan documents are safeguarded in a fire-resistant cabinet; and ensure that anyone removing any loan document from this cabinet signs a control ledger.
Identify and resolve issues as they occur.
Continuously research and recommend improvements to the loan administration procedures.
Support International branches and Subsidiaries
Qualifications : The successful candidate should possess a Bachelor Degree with suitable discipline seasoned with minimum of 8-10 years experience in the banking industry with special emphasis in corporate loans processing