Credit Manager - Wholesale Banking Risk

Job Description

This role is primarily responsible for evaluating credit proposals submitted by Wholesale Banking (Local Corporates, International Banking, Financial Institutions, Commercial Banking, and Treasury], 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 financial statements, financial projections, project finance financial models, contracting finance cash flows, leasing, and identify risks and mitigants in proposals submitted by Wholesale Banking. Experience in evaluating Large, Mid- Corps / SMEs, Fls, private, government, and semi-government credit 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:ÿ

• 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.ÿ

• Corporate Banking: Local customers for all types of facilities including Contracting Finance, Lease Finance, and Project Financeÿ
• International Banking: International customers for all types of facilitiesÿ
• Commercial Banking [SME; Mid-Corporates] : Local customers for all types of facilitiesÿ
• Financial Institutionsÿ
• Treasury including Investmentsÿ

• Assist Business and other Risk officers in structuring credit facilities. Visit potential and/or existing customers / manufacturing or other facilities to evaluate/ observe first hand issues that may have a bearing from a risk perspective on the facilities provided and/or to be provided.ÿ
• Assess/evaluate financial standing of large local and international corporates seeking credit (Including leasing and contract financing), Treasury and Trade limits and assess the relative risk/exposure with recommendations for obtaining Senior Managements approval to approve/decline as appropriate
• Assess/evaluate financial standing of Mid-Corps, SMEs, (seeking Credit, Treasury and Trade limits) and assess the relative risk/exposure with recommendations for obtaining Senior Managements approval to approve/decline as appropriateÿ
• Check accuracy of financial information supplied and effectively handle the health check activities (QCB Black List, Loans ceilings to board members & related partles, Rejected cases database)ÿ
• Ensure compliance with all policies, instructions and guidelines (Internal or external)ÿ
• Make recommendation within the stipulated turnaround time as per the SLAÿ
• Liaise and co-ordinate with support divisions - Legal, Compliance, etc., to protect the banks assetsÿ
• Recommend additional analysis based on trends and/or trigger events identified during analysisÿ
• Keep current on latest updates on Country, Industry and Market trends.ÿ
• Assist in timely preparation and submission of risk reports to Senior Management and Boards Compliance and Risk Committee.ÿ
• Act as a back-up for the other Credit Managers in the Credit Risk Teamÿ
• Any other duties assigned by the Head of the Credit, Wholesale Banking and/or Group CRO

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