Senior Associate

2 weeks ago

Doha, Qatar Qatar National Bank Full time

Summary

The Senior Associate, SME Credit will be primarily responsible for initial review and assessment of proposals for extension of credit facilities for the bank's customers which are submitted by the SME Banking Units for approval, as well as assessing credit worthiness of counter-parties that require credit limits to support the operational requirements. The position will also provide technical and consultancy support and assistance to SME customers within QNB Group subsidiaries and affiliates with respect to credit related matters, including but limited to sharing of pertinent data and information, guidance on policies and procedures, conducting credit analysis, reviews and assessments, and providing credit recommendations.

Experience
- Performs thorough review of credit proposals or requests for credit advice and ensures that credit proposals are in accordance with professional and standard rules, principles, and best-practices, established and approved credit risk policies and procedures, and guidelines of QNB.
- Assesses the credit worthiness and feasibility of the borrowers, obligors and or projects by comprehensive analysis of business data, financial statements & feasibility studies and by identifying and analyzing key risk associated with specific credit such as risks related to borrower's / project's business, industry, demand & supply dynamics, market conditions, technical and management quality, foreign exchange fluctuations and or potential changes in market and world environment to determine its impact on borrower's or project's business continuity, sales and profitability performance.
- Recommends approval of requested credit facilities when borrower is found to be credit worthy, the facility structure and terms and conditions of credit are satisfactory, and the transaction is compliant with policies and objectives of the bank.
- Reviews client's quarterly or semi-annual risk assessment reports submitted from SME business unit and executes appropriate action if required including putting the client on watch list, reducing or cancelling credit facility, and demanding pre-payment in accordance to findings and as per requirements of credit policies and procedures of the bank.
- Ensures that all business areas and units comply with all conditions precedent, conditions subsequent, and other credit deliverables, and covenants as required by Credit approval including but not limited to submission of financial statements and customer information updates, in a timely manner, and conduct immediate follow up and demand for such submission if such requirements are not submitted.
- In the course of evaluating new credit proposals, or during periodic or ad hoc credit reviews, ensure that correct and appropriate Risk Ratings are determined for each borrower in accordance with the bank's established policies and procedures using the Moody's Risk Analysis system and methodology and ensure that such Risk Ratings reflect the current and appropriate risk profile of the borrower by making upgrades or downgrades of credit ratings of customers as deemed necessary.
- Coordinate lending activities with relevant business units to ensure the timely processing of customer credit requests within established TATs.

**Qualifications**:

- University graduate preferably with a Major in Banking, Finance, Accounting, Economics or related field of study. MBA or equivalent banking related training
- At least 2 years of relevant experience, preferably within a highly rated international bank or other comparable financial services
- Excellent oral and written communication skills (including report writing) in English and Arabic.
- Excellent in accounting and financial analysis (spread sheet preparation, analysis and interpretation)
- Good quantitative financial modelling, analytical, and research skills.
- Adequate back ground and understanding of economic theory and principles.
- Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements.

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