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Credit Manager - Private Banking Credit Risk

5.00 to 7.00 Years   Doha, Qatar   08 Mar, 2023
Confidential Company
1 Jobs Openings
Job LocationDoha, Qatar
EducationNot Mentioned
SalaryNot Mentioned
IndustryBanking
Functional AreaNot Mentioned

Job Description

This role is primarily responsible for evaluating credit proposals submitted by Private Banking (Premium & Private), writing Risk memos and making recommendations to Decision Makers. This position also jointly approves credit applications under the delegation of authority matrix. Special focus of the candidate is on his ability to identify, analyze and evaluate risks. It Involves the ability to analyze all real estate financing deals, financing against shares, financial statements, financial projections, and project finance cash flows, and identify risks and mitigates In proposals submitted by Private & Premium Banking. Experience in Private banking financing and real estate cases are required [preferably in the GCC countries and / or in Qatar). Knowledge of Qatar Central Bank Regulations and Internal Group Credit Risk Policy & Instructions is essential. Accordingly, decisions taken by this Position could carry a direct, substantial P&L contribution in terms of recommending transactions that meet credit quality standards and minimizing credit losses.˙Detailed Roles and Responsibilities:˙

  • Recommends / approves credit proposals for the below business lines, within jointly delegated authorities and / or recommends to higher approving levels in adherence to the policy of the bank.˙
Direct Responsibility˙
  • Responsible for the analysis and approval or escalation of all Private & Premium Banking cases as well as off- policy/ non-parameterized cases in terms of making an in depth analysis, performing enhanced due diligence, Identifying risks and mitigates associated to the transactions as well as the preparation of the Risk Assessment Memo˙
  • Ensure high level of analysis accuracy and full adherence to Audit, Compliance and QCB rules and regulations throughout the underwriting process˙
  • Ensure compliance with all policies, instructions and guidelines (internal or external)˙
  • Ensure that proper and accurate MIS trackers for all products and channels are kept and shared with all Business partners. Also, to ensure an Internal monitoring of TAT.˙
Other Responsibilities˙
  • Assist Business and other Risk officers in structuring credit facilities˙
  • Check accuracy of financial Information supplied and effectively handle the health check activities (QCB Black List,˙
  • Loans ceilings to board members & related parties, Rejected cases database)˙
  • Make recommendation within the stipulated turnaround time as per the SLA˙
  • Liaise and co-ordinate with support divisions - Legal, Compliance, etc., to protect the banks assets
  • Recommend additional analysis based on trends and/or trigger events Identifled during analysis˙
  • Keep current on latest updates on Country, Industry and Market trends.˙
  • Assist in timely preparation and submission of risk reports to Senior Management and Boards Compliance and Risk Committee.˙
  • Act as a back-up for the other Credit Managers in the Credit Risk Team˙
  • Any other duties assigned by the Head of the Credit, Private Banking and / or Group CRO

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