Job Description

Roles & Responsibilities

Essential Duties & Responsibilities by Dimensions:

A. Shareholder & Financial:

• Perform activities within the assigned Credit Risk Strategy that reflects the QNB s tolerance for risk and the level of profitability the QNB expects to achieve for incurring various credit risks.
• Act within the limits of the powers delegated to the incumbent
• Implements KPI s and best practices for role.
• Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank.

B. Customer (Internal & External):

• Coordinate with QNB Compliance to ensure an appropriate response to obtain updates on regulations pertaining to credit risk review that are promulgated by Regulators, if any.
• Build and maintain strong and effective relationship with the all other related departments and units to achieve the QNB s goals/ objectives.
• Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required.
• Adhere to the Turnaround Times (TAT) specified in the SLAs.
• To assist customers in all their queries on Bank s product and seek solution to their requests.
• Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.

C. Internal (Processes, Products, Regulatory):

• Implementation of the credit operations processes and procedures related to the receipt of customers request approved by credit to delivery of credit to customer account.
• Collect all documents that are received prior to disbursing of loans / facilities to the customer accounts.
• Following the controls and ensure compliance procedures are implemented to identify & manage potential risk.
• Execute credit operational tasks.
• Data Entry and Maintain records of System downtime resulting in processing delays in Operations.
• Review documents to ensure that they comply with established/ approved credit risk policies and procedures, Regulator guidelines and Basel.
• Coordinate with Relationship Managers for the timely receipt of customer documents/ other information required to evaluate the credit worthiness of the proposed borrowers.
• Support the Credit Administration Manager and Credit Analysts in preparing a recommendation to extend, decline, or request further structuring/ guarantees/ collaterals to the deal to minimize credit risk to meet QNB credit risk standards.
• Coordinate activities with business units to ensure the timely processing of customer credit requests within established TATs.

D. Learning & Knowledge:

• Possess an understanding of business processes and controls in all related credit/ operational areas.
• Maintain an understanding of all pertinent regulations as well as best practices pertaining to the overall credit operations.
• Proactively identify areas for professional development of self and undertake development activities.
• Seek out opportunities to remain current with all developments in professional field.

Desired Candidate Profile

University graduate preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study).

Minimum of 6 years experience in a bank s Credit function.

Excellent oral and written communication skills in English and Arabic (preferred).

Good quantitative modelling, analytical, and research skills.

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 (KMV, Credit Metrics, etc.), interest rate modelling [short rate models, HJM, BGM, etc.], VAR, and/or other complex financial risk modelling highly desirable.

Self-motivated, eye for detail.