Qatar
commercial bank of qatar
Full time
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.
• Join Relationship Managers with site visits to customers’ premises and visits to properties taken as security on an annual basis, for selected names.
• Assist the Team Leader in portfolio analytics in consultation with Business and Credit, providing value addition towards credit risk management via scheduled, structured portfolio analysis and updates, prepare industry/sector reviews for senior management through internal data use and external research and analysis.
• Provide support to enhance risk management through portfolio quality assurance by tracking and monitoring covenants and credit conditions and escalating overdue items for remedial.
• Working closely with the Team Leader and actively sharing solutions in solving any issues that hinders an efficient and effective CFR process, improving CFR and process quality, consistency and TAT.
• Understand, implement and communicate the Bank’s and QCB’s policies, procedures etc.
• Promote a risk management culture and behavior 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
Competencies
Skills
Education
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