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credit analyst services sector

Doha Bank

<div>The Credit Analyst will provide operational and analytical support to the Services Sector Department in preparing Credit proposals/applications, ensuring effective monitoring of all aspects of business in terms of credit quality, as per the internal policies and procedures, QCB guidelines and other relevant regulatory framework. The job holder will identify, measure, monitor, control and perform periodic reviews of the risk inherent in the allotted portfolios. The incumbent will analyze customer strengths and weaknesses, provide recommendations, and note any deviations from the policies, and terms, as appropriate, and will prepare and review annual or quarterly reports as appropriate for the portfolios.</div>

Credit Analyst – Services Sector

DOHA BANK

<div>
 
 
 Role Objective
 
 
 
 
 
 
 The
 
 Credit Analyst
 
 will provide operational and analytical support to the Services Sector Department in preparing Credit proposals/applications, ensuring effective monitoring of all aspects of business in terms of credit quality, as per the internal policies and procedures, QCB guidelines and other relevant regulatory framework. The job holder will identify, measure, monitor, control and perform periodic reviews of the risk inherent in the allotted portfolios. The incumbent will analyze customer strengths and weaknesses, provide recommendations, and note any deviations from the policies, and terms, as appropriate, and will prepare and review annual or quarterly reports as appropriate for the portfolios.
 
 
 
 
 
 
 Detailed Roles and Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Perform all activities, as assigned by the reporting authority, in compliance with regulatory guidelines, and internal policies and procedures.
 </li>
 <li>
 Prepare credit proposals with appropriate interpretations on the financial aspects and identify the risk factors and suggest credit enhancers, as applicable, in consistent with the Credit policies and regulatory framework and provide recommendations.
 </li>
 <li>
 Ensure Internal Credit Rating and RAROC is carried out for all lending clients and update same on annual basis or as and when a new facility is granted, new information available etc.
 </li>
 <li>
 Review to ensure that all credit documents are complete, by identifying documentation deficiencies, if any and report to the respective employees, for timely resolution.
 </li>
 <li>
 Assess the credit worthiness by accumulating pertinent information (strengths and weaknesses relating to historical functional performance) regarding customers for facilities granted/to be granted.
 </li>
 <li>
 Liaise with the respective employees, for clarifications/ rectifications on account of incompleteness of information provided, and to ensure all the Credit applications are completed within the set turnaround time.
 </li>
 <li>
 Contribute towards continuous development of credit procedures by recommending solutions and/or ascertaining capacities for enhancement.
 </li>
 <li>
 Prepare facility renewals and monitor past dues and effect preventive /corrective measure for regularizing the accounts, as directed by the reporting authority.
 </li>
 <li>
 Review facility release/ amendment forms to ensure respective portfolios carry acceptable risk at pre and post sanction stages, and is compliant to approval terms/ policy, prior to disbursement/ recoveries of the allotted portfolio accounts
 </li>
 <li>
 Coordinate with Risk Management function with respect to new/ renewal of limits/input of limits and other related aspects.
 </li>
 <li>
 Ensure prompt filing of all documents, including but not limited to applications, credit documents, Swift transfers, deposits and other records, approvals, security documents, and other correspondences, in the prescribed order of documents filing.
 </li>
 <li>
 Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers, as directed by the reporting authority.
 </li>
 <li>
 Perform periodic review/monitoring of the customer accounts, in line with the limits, credit policies and QCB regulations.
 </li>
 <li>
 Monitor customer activities in relation to market conditions, conduct of account and other factors, as applicable, to protect Bank&rsquo;s interests and arrange appropriate classification of accounts.
 </li>
 </ul>
 
 
 
 
 
 Educational Qualifications:
 
 
 
 
 
 <ul>
 <li>
 University graduate with a degree in Business or Banking or Finance or any other related discipline.
 </li>
 <li>
 Master&rsquo;s degree in Management any other related discipline will be an added advantage.
 </li>
 </ul>
 
 
 
 
 
 Experience:
 
 
 
 
 
 <ul>
 <li>
 05-08 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
 </li>
 <li>
 Experience in credit analysis in Corporate and commercial banking sector, with strong understanding of the local banking industry.
 </li>
 </ul>
 
 
</div>

<div>
 
 
 Role Objective
 
 
 
 
 
 
 The incumbent will be charged with the responsibility of serving as the primary point of contact for the assigned portfolio of the Services sector clients. The jobholder will work with existing clients to help them make the right decisions regarding their accounts and guide on the financial services and credit solutions on offer to them. The incumbent will also be responsible for identification of possible credit sales opportunities and generate new business for Doha Bank in terms of the sector. The incumbent will review credit applications and provide recommendations to the senior management on lending viability.
 
 
 
 
 
 
 Detailed Roles and Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Contribute towards and assist in implementation of the Services sector section strategy.
 </li>
 <li>
 Support the team in the implementation of the strategy, annual business plans, budgets, policies and procedures of the Services sector.
 </li>
 <li>
 Originate, maintain and develop relationships with the clients to expand the Services sector credit portfolio.
 </li>
 <li>
 Promote the Bank&rsquo;s cash management, working capital, trade finance, payments, collections and other products and services to realize growth objectives.
 </li>
 <li>
 Enhance profitability of the section through sales of financial solutions to the Services sector entities, including but not limited to cash management, working capital, trade finance, payments, collections and other services.
 </li>
 <li>
 Coordinate with various Department/Section Heads within the Wholesale Banking function, to consolidate cross sales efforts.
 </li>
 <li>
 Work independently with the assigned clients to understand their business needs and associated banking needs.
 </li>
 <li>
 Receive and review credit applications from new or existing Services sector clients.
 </li>
 <li>
 Review Internal Credit Rating and RAROC for all lending clients and update same on annual basis or as and when a new facility is granted, new information available etc.
 </li>
 <li>
 Conduct feasibility studies and sector outlook studies in order to provide better recommendations regarding credit applications.
 </li>
 <li>
 Work closely with the ARMs/ Credit Analysts to examine the credit applications, including financial statements and translate the financial soundness of these clients onto credit assessments before providing credit recommendations to the Credit Committee.
 </li>
 <li>
 Responsible for service and account management needs of designated Services sector clients of Doha Bank.
 </li>
 <li>
 Follow and utilize the Services sector credit processing systems and systems modules and stay aligned to the strategic objectives and mission of Doha Bank.
 </li>
 <li>
 Manage daily account-related banking activities of the Services sector clients comprising the respective portfolio and provide directions and instructions to ARMs/Credit Analysts in this regard.
 </li>
 </ul>
 
 
 
 
 
 Educational Qualifications:
 
 
 
 
 
 <ul>
 <li>
 University graduate with a degree in Business or Banking or Finance or any other related discipline.
 </li>
 <li>
 Master&rsquo;s degree in management any other related discipline will be an added advantage.
 </li>
 </ul>
 
 
 
 
 
 Experience:
 
 
 
 
 
 <ul>
 <li>
 08-12 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
 </li>
 <li>
 Experience in business / relationship management in Corporate and commercial banking sector, with strong understanding of the local banking industry.
 </li>
 </ul>
 
 
</div>

Relationship Manager – Services Sector

<div>
 
 
 Role Objective
 
 
 
 
 
 
 The Senior Credit Risk Analyst will be responsible for analyzing the risk associated within the major/sizeable portfolio of assigned Corporate/institutional clients within Qatar and Overseas branches, with an aim to minimize credit losses. The incumbent will conduct comprehensive credit reviews/analysis and be responsible for regular monitoring of client performance to identify emerging credit risks. The job holder will ensure that respective portfolios carry acceptable risks at pre sanction stage, in line with the internal policies and procedures, QCB guidelines and other relevant regulatory framework.
 
 
 
 
 
 
 Detailed Roles and Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Perform all activities, as assigned by the Manager &ndash; Credit Risk/ Section Head &ndash; Credit Risk Evaluation, in compliance with regulatory guidelines, and internal policies and procedures.
 </li>
 <li>
 Review Credit applications/ transaction applications/ Internal Memos, to assess inherent risks within the proposals, in consistent with the Credit policies and regulatory framework.
 </li>
 <li>
 Liaise with the respective Relationship Managers/ branches, for clarifications/ rectifications on account of incompleteness of information provided, and to ensure all the Credit applications are completed within the set turnaround time.
 </li>
 <li>
 Undertake analysis/organize all financial data for multiple years, including but not limited to corporate financial statements, cash flow projections, credit bureau reports, accounts receivable aging, inventory listings, appraisals, collateral evaluations etc., as applicable.
 </li>
 <li>
 Actively manage existing concentration risk (Single Name/ Sector Concentration) and highlight/ mitigate inherent risks.
 </li>
 <li>
 Obtain guidance from the Manager &ndash; Credit Risk and/or Section Head &ndash; Credit Risk Evaluation, as necessary, on financial analysis in relation to Credit Cover Sheet.
 </li>
 <li>
 Prepare Credit Cover Sheet and term sheet, as per the approved template/format, and share with the Manager &ndash; Credit Risk and/or Section Head &ndash; Credit Risk Evaluation for necessary reviews/approvals.
 </li>
 <li>
 Assist the Manager &ndash; Credit Risk Evaluation in arranging for site inspections and customer meetings in coordination with the Relationship Team for discussions/negotiations with the customers on the facility structure, quantum and other terms of credit.
 </li>
 <li>
 Assist in credit risk grading exercise as per the rating model adopted by the Bank and send for approvals to the Section Head - Credit Risk Evaluation.
 </li>
 <li>
 Identify early warning signs based on the conduct of account, pattern of requests from the client etc. and correspond with the Relationship Teams to initiate preventive/corrective measures for regularizing the accounts.
 </li>
 </ul>
 
 
 
 
 
 Educational Qualifications:
 
 
 
 
 
 <ul>
 <li>
 University graduate with a degree in Business or Banking or Finance or any other related discipline.
 </li>
 <li>
 Master&rsquo;s degree in Management any other related discipline will be an added advantage.
 </li>
 </ul>
 
 
 
 
 
 Experience:
 
 
 
 
 
 <ul>
 <li>
 08-12 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
 </li>
 <li>
 Experience in credit review and analysis in banking industry.
 </li>
 </ul>
 
 
</div>

Senior Credit Risk Analyst

<div>
 
 
 Role Objective
 
 
 
 
 
 
 The incumbent will be charged with the responsibility of serving as the primary point of contact for the assigned portfolio of the Real Estate sector clients. The jobholder will work with existing clients to help them make the right decisions regarding their accounts and guide on the financial services and credit solutions on offer to them. The incumbent will also be responsible for identification of possible credit sales opportunities and generate new business for Doha Bank in terms of the sector. The incumbent will review credit applications and provide recommendations to the senior management on lending viability.
 
 
 
 
 
 
 Detailed Roles and Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Contribute towards and assist in implementation of the Real Estate sector section strategy.
 </li>
 <li>
 Support the team in the implementation of the strategy, annual business plans, budgets, policies and procedures of the Real Estate section.
 </li>
 <li>
 Originate, maintain and develop relationships with the clients to expand Real Estate Sector credit portfolio.
 </li>
 <li>
 Promote the Bank&rsquo;s cash management, working capital, trade finance, payments, collections and other commercial products and services to realize growth objectives.
 </li>
 <li>
 Enhance profitability of the section through sales of financial solutions to the Real Estate Sector entities, including but not limited to cash management, working capital, trade finance, payments, collections and other commercial services.
 </li>
 <li>
 Coordinate with various Department/Section Heads within the Wholesale Banking function, to consolidate cross sales efforts.
 </li>
 <li>
 Work independently with the assigned clients to understand their business needs and associated banking needs.
 </li>
 <li>
 Follow and utilize the Real Estate Sector section credit processing systems and systems modules and stay aligned to the strategic objectives and mission of Doha Bank.
 </li>
 <li>
 Manage daily account-related banking activities of the Real Estate Sector clients comprising the respective portfolio and provide directions and instructions to ARMs/Credit Analysts in this regard.
 </li>
 <li>
 Review the banking transactions of portfolio customers on a daily/ weekly basis to ensure smooth running of their needs.
 </li>
 <li>
 Promote appropriate Doha Bank products and receive mandate from clients to implement those products, including the coordination of core product pricing.
 </li>
 <li>
 Coordinate with the Corporate Branch employees to ensure the smooth running of the Real Estate Sector clients&rsquo; banking needs and transactions.
 </li>
 <li>
 Research the latest products and regulations pertaining to Real Estate Sector trends.
 </li>
 <li>
 Continuously monitor financial standing of the Real Estate Sector clients under the respective portfolio.
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; Experience
 
 :
 
 
 
 
 <ul>
 <li>
 University graduate with a degree in Business or Banking or Finance or any other related discipline.
 </li>
 <li>
 Master&rsquo;s degree in Management any other related discipline will be an added advantage.
 </li>
 <li>
 08-12 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
 </li>
 <li>
 Experience in business / relationship management in Real Estate sector, with strong understanding of the local banking industry.
 </li>
 </ul>
 
 
</div>

Relationship Manager – Real Estate

<div>
 
 
 Role Objective
 
 
 
 
 
 
 The
 
 Reporting Analyst
 
 will assist the
 
 Senior Regulatory Reporting Analyst
 
 to ensure compliance of the departments with all of QCB reporting requirements, both at the local and international levels. The incumbent will ensure preparation of periodic QCB regulatory reports, returns and requests to the regulatory authorities, in line with the guidelines, and support coordination efforts with QCB officials/ other regulators /internal stakeholders on matters pertaining to regulatory reporting.
 
 
 
 
 
 
 Detailed Roles and Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Verify and check daily Trial Balance report (867), and do the necessary action to rectify any difference, and coordinate / follow up w with IT if there is any fraction differences.
 </li>
 <li>
 Prepare daily CRS (Centralized Reporting System Report) and all its related tables, making sure all tables are tallying with the Balance Sheet, making sure to take the necessary action to rectify any difference if any.
 </li>
 <li>
 Prepare Financial ratios are accurate and tallying with daily CRS and submitted on time.
 </li>
 <li>
 Prepare LDR (loan To Deposit Ratio) for H.O and foreign Branches are accurate and submitted on time.
 </li>
 <li>
 Prepare daily credit ratio violation making sure data is accurate and penalties updated based on QCB guidelines.
 </li>
 <li>
 Prepare weekly Maturity Ladder report, making sure all source data files updated correctly and to coordinate with I.T and Treasury Back Office departments to get all related data, making sure all data submitted is tallying with CRS.
 </li>
 <li>
 Prepare weekly LCR report (Liquidity Coverage Ratio), making sure all source data files updated correctly and to coordinate with Financial Risk Department to get all related data, making sure all data submitted is tallying with CRS.
 </li>
 <li>
 Prepare monthly Investments &amp; Loans outside Qatar; by coordinating with Treasury Back Office department, making sure all data is tallying with NBS (New Monthly Balance Sheet) before submitting to QCB.
 </li>
 <li>
 Prepare monthly Credit Facilities Public sector report and make sure its tallying with NBS before submitting to Credit department.
 </li>
 <li>
 Prepare the unutilized facility report on daily and weekly basis, for H.O making sure it&rsquo;s tallying with CRS.
 </li>
 <li>
 Prepare foreign Currency balance sheet for local branches and foreign branches making sure it&rsquo;s tallying with consolidated NBS before submitting to QCB on a monthly basis, if assigned.
 </li>
 <li>
 Liaise with the respective departments to source and submit daily customer&rsquo;s deposits in line with the QCB guidelines within the timeframe prescribed, if assigned.
 </li>
 <li>
 Prepare daily Cash in safe, ATM, and making sure it is tallying with report 867 consolidated daily balance sheet before submitting to QCB.
 </li>
 <li>
 Prepare daily NPL (Non-Performing loans category) customer wise and coordinate with concern department/branches if there is any mistakes for Head office and foreign branches.
 </li>
 <li>
 Prepare daily Customer Deposits and Customer Facilities reports and make sure its tallying with consolidated daily Balance sheet report (867).
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; Experience
 
 :
 
 
 
 
 <ul>
 <li>
 University graduate with a degree in Business or Banking or Finance or any other related discipline.
 </li>
 <li>
 Master&rsquo;s degree in Management any other related discipline will be an added advantage.
 </li>
 <li>
 05-08 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
 </li>
 <li>
 Experience in regulatory reporting in banking industry.
 </li>
 </ul>
 
 
 
 
 
 Certifications
 
 
 
 
 
 <ul>
 <li>
 CPA / CMA / ACCA or equivalent qualifications would be useful
 </li>
 </ul>
</div>

Reporting Analyst

<div>The Senior Credit Risk Analyst will be responsible for analyzing the risk associated within the major / sizeable portfolio of assigned Corporate / institutional clients within Qatar and Overseas branches, with an aim to minimize credit losses. The incumbent will conduct comprehensive credit reviews/analysis and be responsible for regular monitoring of client performance to identify emerging credit risks. The job holder will ensure that respective portfolios carry acceptable risks at pre sanction stage, in line with the internal policies and procedures, QCB guidelines and other relevant regulatory framework.</div>

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