Bayt.com
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Job Description

Job Summary

To support the Business in managing credit risk by using appropriate judgement and commercial credit experience to assess credit worthiness of a customer. Ensure that overall quality of accounts are within acceptable risk parameters and remain within Bank’s lending policies and guidelines.

Key Accountabilities

  • Lead the process of CREDIT FACILITY REVIEW (CFR) with a high-quality analysis of credit applications for International, Local Corporate & SME, Trade Financing and High Net worth (HNWI) / VIP clients.
  • Adequately structure facilities adhering to defined risk levels and make sensible recommendations with practical and acceptable risk mitigating conditions to the approving authorities under the delegated credit authority.
  • To have a quality & effective one-to-one pre-deal discussions with the Business and Credit Team and reach an acceptable proposition which addresses the concerns of relevant stakeholders. The discussion should be reflective in the credit applications or agreed upon through subsequent emails. Any unresolved issues are to be documented for record by email.
  • Accurate spreading of financials and analysis in the MRA and carry out appropriate re-classifications wherever necessary and ensure that MRA grading of account is appropriately done and reflects the underlying risk.
  • Assist Business in portfolio quality management, tracking and monitoring covenants and escalating overdue items for remedial. 
  • Understand, implement and communicate the Bank's and QCB’s policies, procedures etc.
  • Promote a risk management culture and behaviour that provides adequate analysis, sound judgment, flexibility and an ideal balance of risks and rewards.
  • Provide necessary assistance in preparation of various MIS, industry/sector reviews as required from time to time by senior management.
  • Assist the Business in preparation of periodic and adhoc credit audits carried-out by Internal Audit and QCB.
  • Any other relevant tasks assigned by the Head of Credit Analytics from time to time.

Skills

Required Experience:

  • At least 5 years of experience in the capacity of a Credit Analyst in Corporate/Institutional/Commercial.
  • Experience in Contracting and Real Estate is highly preferred. GCC experience is a definite advantage.

 

Knowledge and Skills:

  • Knowledge of basic and advanced Lending products and facility structuring
  • Excellent communication skills both written and verbal (English/Arabic)
  • Negotiation skills
  • Relationship building skills
  • Team management capabilities
  • Knowledge of external markets, industry trends and current economic environment both locally and internationally

 

Competencies

  • Adaptability/Flexibility
  • Creativity/Innovation
  • Decision Making/Judgment
  • Dependability
  • Initiative
  • Integrity/Ethics
  • Problem Solving/Analysis

Skills

  • Ability to interact with internal and external stakeholders
  • Ability to work under pressure
  • Accuracy and attention to detail

Education

  • Bachelor’s degree in Business with preferably a specialization in Finance or Accounting


Job Details

Job Location
Doha Qatar
Company Industry
Banking
Company Type
Employer (Private Sector)
Job Role
Finance and Investment
Employment Type
Full Time Employee
Monthly Salary Range
Unspecified
Number of Vacancies
1

Preferred Candidate

Years of Experience
Min: 3 Max: 5
Degree
Bachelor's degree / higher diploma
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The Commercialbank of Qatar was established in 1975 as the first wholly owned private commercial bank in Qatar. Initially capitalized at QR 10 million it has grown and prospered over the years to become an important regional Bank with capital and reserves of over QR 2.90 billion and a total assets book of QR 19.0 billion as at 30.09.2005. It has been profitable in every year since its foundation and has paid dividends annually. The Bank offers a comprehensive range of Corporate, Retail and Investment services through a network of 23 branches, sales offices/pavilions, 78 ATM's, 26 Deposit Machines, Internet Home Banking and the largest EFTPOS network in the country. The Bank has played an active role in support of Government strategy for the industrial development of Qatar. It has participated in the finance of all major projects to this time. Commercialbank is a progressive and innovative organization dedicated to developing its people to their full potential. To attract and retain talented people with the right skills, we offer a competitive reward package, subject to qualifying conditions, which includes a comprehensive range of benefits to drive excellent performance.

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