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senior credit risk analyst

manager credit risk evaluation

Doha Bank

<div>Are you a seasoned credit risk professional ready to shape the future of risk evaluation in a dynamic banking environment? Join our team as a Manager &ndash; Credit Risk Evaluation, where you&rsquo;ll lead strategic credit reviews across our Institutional Banking Group (IBG), Treasury, and Wholesale Banking functions.</div>

Manager Credit Risk Evaluation

DOHA BANK

<div>
 
 Are you a seasoned credit risk professional ready to shape the future of risk evaluation in a dynamic banking environment? Join our team as a
 
 Manager &ndash; Credit Risk Evaluation
 
 , where you'll lead strategic credit reviews across our Institutional Banking Group (IBG), Treasury, and Wholesale Banking functions.
 
 
 
 
 
 What You&rsquo;ll Do :
 
 
 
 
 <ul>
 <li>
 Lead the development and execution of credit evaluation strategies aligned with our organizational goals
 </li>
 <li>
 Oversee corporate and SME credit assessments to mitigate risk and minimize losses
 </li>
 <li>
 Ensure compliance with internal policies and QCB regulatory guidelines
 </li>
 <li>
 Review and recommend credit applications, assessing financial and operational risks
 </li>
 <li>
 Guide and mentor Credit Risk Analysts in financial analysis, credit grading, and risk management
 </li>
 <li>
 Conduct client meetings and site inspections to support credit decisions
 </li>
 <li>
 Build strong relationships with internal and external stakeholders
 </li>
 <li>
 Prepare management reports and contribute to recruitment and performance reviews
 </li>
 </ul>
 
 
 
 
 What You Bring :
 
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Business, Banking, Finance, or related field (Master&rsquo;s preferred)
 </li>
 <li>
 15 years of experience in financial services or banking, with a focus on credit review and analysis
 </li>
 <li>
 Familiarity with QCB regulatory frameworks is a strong advantage
 </li>
 <li>
 Proven leadership and team development skills
 </li>
 <li>
 Strong analytical thinking and decision-making capabilities
 </li>
 <li>
 Excellent communication and relationship management
 </li>
 </ul>
 
 
</div>

<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

QNB Group

<div>
 
 About QNB
 
 
 
 Established in 1964 as the country&rsquo;s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.
 
 
 QNB Group&rsquo;s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.
 
 
 QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard &amp; Poor&rsquo;s (A), Moody&rsquo;s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.
 
 
 Based on the Group&rsquo;s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.
 
 
 QNB Group has an active community support program and sponsors various social, educational and sporting events.
 
 
 
 Job Summery
 
 
 
 The incumbent is primarily responsible for providing effective support to the Contracting function, by providing relationship management support to Contracting customers. The incumbent will be responsible for proactively assisting in managing client relationships (within delegated authority), preparation of credit proposals and maintaining all Contracting function documentation after receipt in accordance with QNB credit policies and procedures.
 
 
 
 Main Responsibilities
 
 
 
 <ul>
 <li>
 Shareholder &amp; Financial:
 </li>
 <li>
 Assist in monitoring and achievement of Key Performance Indicators on periodic basis.
 </li>
 <li>
 Implements KPI&rsquo;s and best practices for Assistant Manager Contracting Relationship Management
 </li>
 <li>
 Support in the upholding and monitoring the full compliance with prevailing best corporate banking documentation practices.
 </li>
 <li>
 Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank
 </li>
 <li>
 Act within the limits of the powers delegated to the incumbent
 </li>
 <li>
 Customer (Internal &amp; External):
 </li>
 <li>
 Perform credit documentation for the Contracting function, in accordance with set policies and in coordination with Credit Risk.
 </li>
 <li>
 Provide timely and accurate information to the external and internal auditors and the Compliance function, as and when required.
 </li>
 <li>
 To assist customers in all their queries on Bank&rsquo;s product and seek solution to their requests.
 </li>
 <li>
 Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.
 </li>
 <li>
 Build and maintain strong/effective relationships with related departments/units to achieve the Group&rsquo;s objectives.
 </li>
 <li>
 Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required
 </li>
 <li>
 Internal (Processes, Products, Regulatory):
 </li>
 <li>
 Develop and manage on day-to-day basis potential target name corporate customers and assigned portfolio of existing customers to meet assigned financial and non-financial targets in compliance with established QNB credit policies, procedures and standards.
 </li>
 <li>
 Maintain high credit documentation standards, including but not limited to updated policies / procedures and compliance with the same.
 </li>
 <li>
 Prepare comprehensive credit proposals for new / prospective customers that adequately address all relevant risk factors and satisfy minimum acceptable standards of QNB corporate credit.
 </li>
 <li>
 Obtain all requisite facility and account documentation to ensure each customer&rsquo;s file is current with valid legal documentation to secure / protect the Bank's interests including but not limited to the Articles of Association and any amendments thereto, financial statements for a minimum of 3 years, the company's annual report to its shareholders (publicly held companies only), Commercial Registration, list of authorized signatories, corporate client details (name, type of business, shareholders etc.) and details on the credit request and amount.
 </li>
 <li>
 Maintain the timely review of contracting credit applications and documents within set turn around time, in coordination with Credit Risk. . During the annual review exercise, the incumbent is expected to identify changing circumstances to assess risk and mitigating actions.
 </li>
 <li>
 Prepare comprehensive credit review for existing portfolio customers that adequately address all relevant and current risk factors and the latest developments in the industry, market and business and identify and timely report on all red flags and early warning signals on potential problematic accounts / relationships.
 </li>
 <li>
 Maintain the Contracting records and organize and maintain corporate banking customer files.
 </li>
 <li>
 Monitor QNB Contracting credit positions for full compliance with set limits and QNB&rsquo;s Investment and Credit Strategy.
 </li>
 <li>
 Support in the preparation of periodic Management and Business Information reports to the SVP Contracting Relationship Management and to other executive management of the Group to appraise them about the unit&rsquo;s performance and the assigned portfolio of clients.
 </li>
 <li>
 Spread the financial statements on assigned software while assessing the credit risk related to each client and identify mitigating actions/ controls.
 </li>
 <li>
 Draft financial analysis for assigned clients to measure its performance and capacity of repayment.
 </li>
 <li>
 Learning &amp; Knowledge:
 </li>
 <li>
 Possess a good knowledge of corporate banking products, documentation, regulatory requirements and report preparation together with a superior knowledge of controls.
 </li>
 <li>
 Proactively identify areas for professional development of self and undertake development activities.
 </li>
 <li>
 Seek out opportunities to remain current with all developments in professional field
 </li>
 <li>
 Legal, Regulatory, and Risk Framework Responsibilities:
 </li>
 <li>
 Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML &amp; CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).
 </li>
 <li>
 Understand and effectively perform your role under the Three Lines of Defence principle to identify measure, monitor, manage and report risks.
 </li>
 <li>
 Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.
 </li>
 <li>
 Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.
 </li>
 <li>
 Maintain appropriate knowledge to ensure full qualification to undertake the role.
 </li>
 <li>
 Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.
 </li>
 <li>
 Attend mandatory (internal and external) seminars as instructed by the Bank.
 </li>
 <li>
 Other:
 </li>
 <li>
 Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information.
 </li>
 <li>
 Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and Compliance functions, and relevant Regulators.
 </li>
 <li>
 Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position.
 </li>
 <li>
 All other ad hoc duties/activities related to QNB that management might request from time to time.
 
 
 </li>
 </ul>
 
 Education And Experience Requirements
 
 
 
 <ul>
 <li>
 University graduate (Bachelor - preferably Engineering) with minimum 4 years relevant experience in the banking industry, preferably with local / Gulf experience.
 </li>
 <li>
 Well-informed of the market competitive structure, industry practices and any regulations for the corporate banking client segment.
 </li>
 <li>
 Good people relationship and credit documentation skills and awareness of risk management concept and practices.
 </li>
 <li>
 Good oral and written communication skills in English and Arabic (preferred).
 </li>
 <li>
 Understanding of the relevant laws, regulations and practices pertaining to Corporate Banking products.
 </li>
 <li>
 Good knowledge in financial statements and ratios relevant to corporate banking and the contracting industry
 </li>
 <li>
 General understanding of construction financing mechanism and underlying risks.
 </li>
 <li>
 Personal integrity and self-management.
 </li>
 <li>
 Outstanding problem solving skills.
 </li>
 <li>
 Planning, organizing and analytical ability.
 </li>
 <li>
 Outstanding customer service orientation.
 </li>
 <li>
 Strong performance orientation.
 
 
 </li>
 </ul>
 Note: you will be required to attach the following:
 
 
 <ul>
 <li>
 Resume/CV
 </li>
 <li>
 Copy of Passport or QID
 </li>
 <li>
 Copy of Education Certificate
 </li>
 </ul>
</div>

QNB3524 - Assistant Manager Contracting Relationship Management (Qatarization)

Vistas Global

Position OverviewWe are seeking an experienced Mortgage &amp; Loan Agent to join our banking team in Qatar. The ideal candidate should have a strong background in real estate sales or mortgage services, with solid knowledge of the local property market, financial products, and lending practices. This role requires exceptional communication, analytical abilities, and a customer-centric approach to guide clients through the end-to-end mortgage and loan process.Key Responsibilities<ul><li>Promote, evaluate, and process mortgage and personal loan applications in accordance with bank policies and Qatar Central Bank regulations.</li><li>Advise clients on suitable mortgage products, interest rates, financing options, and repayment plans.</li><li>Conduct detailed financial assessments, including income verification, credit evaluation, and risk analysis.</li><li>Build and maintain strong relationships with real estate brokers, developers, and property agents to generate consistent business leads.</li><li>Assist clients through all stages of the property financing process, including documentation, approvals, and closing formalities.</li><li>Maintain accurate and up-to-date records of loan applications and pipeline status.</li><li>Collaborate with internal teams such as Credit, Operations, and Compliance to ensure timely loan processing.</li><li>Stay updated with Qatar real estate trends, mortgage regulations, and banking compliance requirements.</li><li>Meet or exceed monthly sales and revenue targets.</li><li>Provide excellent customer service to ensure client satisfaction and long-term retention.</li></ul>Qualifications &amp; Requirements<ul><li>Bachelor&rsquo;s degree in Finance, Business Administration, Banking, or a related field.</li><li>Minimum 2&ndash;4 years of experience in mortgage sales, real estate sales, or loan processing (banking sector experience preferred).</li><li>Strong understanding of Qatar&rsquo;s real estate market, property financing, and mortgage regulations.</li><li>Proven sales track record with ability to achieve targets.</li><li>Excellent communication and negotiation skills.</li><li>Proficiency in English; Arabic is a strong advantage.</li><li>Strong analytical skills with the ability to assess financial documents and creditworthiness.</li><li>Customer-focused mindset with professional presentation and interpersonal skills.</li><li>Valid Qatar driving license is preferred.</li></ul>Job Type: Full-timePay: QAR7,000.00 - QAR8,500.00 per monthApplication Question(s):<ul><li>Do you agree with the salary bracket provided (7000 QAR- 8500 QAR)</li></ul>Education:<ul><li>Bachelor's (Preferred)</li></ul>Experience:<ul><li>Real Estate: 2 years (Required)</li><li>Sales: 1 year (Preferred)</li></ul>Language:<ul><li>Arabic (Required)</li></ul>

Real Estate (Mortgage and Loan) Agent

<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>

<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>

Credit Analyst – Services Sector

Explore 1028+ Manager credit risk evaluation in Qatar Moph License Jobs In Qatar Moph License Jobs In Qatar this December. Find roles across top companies and apply now to boost your career.

1028 manager credit risk evaluation jobs IN Qatar Moph License Jobs In Qatar Moph License Jobs In Qatar

Manager Credit Risk Evaluation

Manager Credit Risk Evaluation

Senior Credit Risk Analyst

QNB3524 - Assistant Manager Contracting Relationship Management (Qatarization)

Real Estate (Mortgage and Loan) Agent

Senior Credit Risk Analyst

Credit Analyst – Services Sector