Credit Manager – Commercial Bank of Qatar

Key Accountabilities

• Manage the corporate credit approval process including credit assessment, approval and monitoring of obligor level credit proposals. Ensure that credits approved are fundamentally strong based on sound appraisals standards followed by robust monitoring to avoid foreseeable slippages in credit quality.
• Set and manage credit evaluation standards in line with the regulatory requirements as well as the internal credit policy and risk appetite requirements, within defined turnaround time
• Lead the credit review with high quality of analysis of credit applications for international, local corporate & SME clients and make sensible recommendations with practical, risk mitigating and acceptable conditions / facility structuring to approval authorities to facilitate adherence to defined risk levels and approve under the delegated credit authority.
• Undertake qualitative and effectiveness one-to-one discussions with the Business and reach to an acceptable solution (independently of Head of Credit or CCO) which addresses the risk concerns as well as of Business.
• Checking that spreading and financial analysis is correctly carried out 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.
• Based on analysis of credit requests and review of proposed facilities structure, validate customer ratings / grade, RAROC, expected loss and LGD calculation and estimate risk change to facilitate management decision making.
• Align existing credit processes quickly and responsively to meet dynamic strategic/organisational objectives within acceptable risk objectives.
• Contribute in defining risk appetite (qualitative and quantitative) within the CBQ’s framework for the bank to meet the strategic objectives.

Other Accountabilities

• With respect to performing grade portfolio, continually assess business, financial and economic risks, identify deteriorating risk profiles together with Chief Credit Officer and ensuring that corporate credit portfolio quality is a maintained or improved, with minimal slippages into NPL category and therefore minimizing loan provisions; approve upgrades/downgrades in customer credit ratings in the process.
• Co-lead with other senior Risk/Credit staff in the development, performance monitoring and evaluation of all appropriate corporate credit policy.
• Implement credit policies, profitability models, scoring models and enhancements of credit support systems.
• Participate in other credit risk related projects, including those to Basel II Advanced IRB approach.
• Exercise a substantial personal lending approval authority and where outside that authority, formulate recommendations to higher authorities.
• Keep track of the borrowers’ compliance with credit terms and in conjunction with Business, CMCU, FPMU / RERU and Operation to identify early signs of irregularity that may affect credit decisions (account activity type and transaction volume, credit utilization, etc.) while promptly highlighting any major deviations to superior for corrective action.
• Ensure compliance to all relevant quality, health, safety and environmental management procedures and controls within a defined area of activity to guarantee employee safety, compliance, delivery of high quality products/service and a responsible environmental attitude.
• Prepare departmental MIS statements and reports timely and accurately to meet CBQ and department requirements, policies and standards.

Job Details

Preferred Candidate