senior credit analyst

Coface

<div><b>Company Description</b><p><br>
At Coface, we&rsquo;ve been managing credit risk for more than 75 years to help companies navigate and grow in an uncertain and volatile environment.</p><p>
We act for trade.</p><p>
As a global leading player in trade credit risk management, we support the growth of 100,000 clients across some 200 markets.</p><p>
Whatever their size, location or sector, we offer companies a full range of solutions: Trade Credit Insurance, Business Information, Debt Collection, Single Risk insurance, Surety Bonds, Factoring.</p><p>
Every day, we leverage our unique expertise and cutting-edge technology to make trade happen, in both domestic and export markets.</p><p><b>
Commitments</b></p><p><b>
Diversity, equity, and inclusion</b></p><p>
Coface is fully committed to creating a work atmosphere that respects the individualities and diversity of its teams. Given the nature of its business, which operates across a global scope, Coface must remain a multicultural company. To that end, employees must benefit from an inclusive and non-discriminatory work environment. This allows for collaborative and fruitful work between teams representing 80 nationalities and working in 58 countries.</p><p>
Coface has been focusing in particular on gender equity and gender balance in career opportunities, and diversity in senior management roles. Coface has initiated numerous actions plans in that field, together with indicators for monitoring progress.</p><p>
Accordingly, diversity and inclusion are a key component of the Group Human Resources strategy. Coface work environment must be seen as inclusive and the company as a place where employees can thrive and contribute their authenticity to their professional activities.</p><p>
To that end, Coface has introduced training and awareness-raising initiatives to encourage the transformation of the corporate culture towards greater openness to diversity.&hellip; more</p><p><b>
Career growth and learning</b></p><p>
At Coface, we strive to establish and develop a lasting relationship of trust, encouraging integration, and supporting professional development; these are our priorities and commitments.</p><p>
We have a dedicated program called &ldquo;Move &amp; Grow&rdquo; to boost internal mobility. In fact, we believe in internal mobility as an accelerator of career growth, as much as a fantastic opportunity to learn and grow from a more personal standpoint. We encourage you to seize every opportunity to get out of your comfort zone, by changing jobs and taking on new responsibilities.</p><p>
In parallel, we have a program dedicated to new comers, which provides access to all the information necessary for integration and allows them to follow a path marked out by individual meetings, immersive experiences, training and informal sharing moments. Furthermore, in order to continually develop your individual talent, we have a digital training platform with a wide range of content which encourages the sharing of exchanges and experience between the group's employees. We also have mentoring programs and much more to support your career development.</p><b><br>
Job Description</b><p><b><br>
Key Responsibilities</b></p><ul><li>
Supervise and lead a team of analysts in preparing detailed and concise credit reviews.</li><li>
Network and communication to build market relationships and industry knowledge about key industry sectors and make sector studies and research that aim at improving sector expertise.</li><li>
Pro-actively build and maintain good working relationships with underwriting and information colleagues.</li><li>
Contact companies and carry out phone and physical interviews to obtain financial and business information to assess their current situation.</li><li>
Manage information related strategic projects:</li></ul><ul><li>
Evolution and integration with Credit Bureaus</li><li>
Evolution and integration with formal sources</li></ul><ul><li>
Develop Country reports and macro-economic studies</li><li>
Working closely with information providers to monitor the response time and the quality of the information provided to Coface through its partners</li><li>
Support Coface regional development in the region and enhance the underwriting capabilities by performing financial and field analysis to provide a fair credit risk rating.</li><li>
Participate in sensitive buyer visits and in-depth reports,</li><li>
Assessment of debtors on large exposures and sensitive files.</li><li>
Oversee the quality of assessments by others in the team.</li><li>
Ensure the information and DRA represent the most up to date position and that group standards have been applied toward frequency and level of information required.</li><li>
Engage in the review of source information scores to ensure the best quality and accuracy</li><li>
Validate DRA&rsquo;s according to group delegation rules.</li><li>
Liaise with underwriting colleagues to organize monthly meetings and regularly liaise between both departments for an operational review.</li><li>
Identify local sources of information and develop relationships with different economic players (like banks, trade associations, credit bureaus, competitors and official sources of information such as commercial registries, chambers of commerce) to enhance the level of information.</li><li>
Manage workflows and ensure smooth running of operations during vacation times.</li><li>
Get actively involved in team training, coaching and mentoring, to ensure professional development and efficiency of operations.</li><li>
Lead, motivate and supervise the correct performance of the team according to the proposed goals and the group rules and standards</li><li>
Conduct regular performance reviews.</li><li>
Ensure compliance with regulations and procedures as laid down by Coface and external regulators</li><li>
Performing reports and other duties assigned by the management</li></ul><p><b>
Specialist Skills &amp; Knowledge</b></p><p>
Minimum 5 years&rsquo; experience in a senior credit risk position (Insurance or bank industry) is require.</p><p><b>
Industry:</b></p><ul><li>
Credit insurance</li><li>
Bank</li><li>
Large corporates</li></ul><p><b>
Functional:</b></p><ul><li>
Credit Risk Management</li><li>
Financial Analysis</li><li>
Credit Control</li></ul><p><b>
Coface specific:</b></p><ul><li>
Coface's portfolio management system</li><li>
Atlas, Atlas Info</li></ul><p><b>
IT:</b></p><ul><li>
Proficient in Microsoft Outlook, Word, Excel.</li></ul><br>
<b>
Qualifications</b><br>
<ul><li>
Fluent in Arabic &amp; English</li><li>
Bachelor&rsquo;s degree, preferably in Business, Finance, Economics, Banking, Insurance or a related field.</li></ul><br>
<b>
Additional Information</b><br>
<ul><li>
A culture focused on teamwork, continuous learning, and professional development</li><li>
Competitive base salary + performance-based incentives</li><li>
Comprehensive benefits package, including health insurance</li><li>
To be based withing our Partner offices in Riyadh, KSA</li></ul></div>

Senior Field Credit Analyst – Team Leader

DOHA BANK Q.P.S.C.

<p><b>Doha Bank Q.P.S.C</b> is one of the largest private commercial banks in Qatar. Established in 1979. Offers retail, corporate, international, treasury, and investment banking services</p><p>A <b>Credit Risk Analyst</b> at <b>Doha Bank</b> is responsible for assessing, monitoring, and managing credit risk exposure of corporate, retail, and institutional clients. The role ensures that all lending decisions are financially sound, compliant with Qatar Central Bank (QCB) regulations, and aligned with bank policies.</p><p><b>Key Responsibilities:</b></p><p>Credit Analysis</p><p>Loan &amp; Facility Evaluation</p><p>Risk Monitoring</p><p>Compliance &amp; Governance</p><p>Stakeholder Coordination</p><p>Senior Credit Risk Analyst (Additional Duties)</p><p>Mentor junior analysts</p><p>Participate in credit policy improvement and risk framework development</p><p>Support strategic decision-making in credit committees</p><p><b>Requirements:</b></p><p>Bachelor&rsquo;s degree in Finance, Accounting, Economics, or related field</p><p>CFA / FRM is a strong advantage</p><p>3&ndash;10+ years banking / credit risk experience (senior roles require more)</p><p>Strong financial analysis and Excel skills</p><p>Knowledge of Basel norms and banking regulations</p><p>Good communication and report writing skills</p><p>Job Type: Full-time</p><p>Pay: From QAR18,000.00 per month</p><p>Work Location: In person</p>

Credit Risk Analyst / Senior Credit Risk Analyst (Doha Bank Q.P.S.C)

Huntington Bank

<div><h1 class="jobSectionHeader"><b>Description</b></h1><p><b>
Summary:</b></p><p>
The Credit Risk Administration Allowance Analytics team has an opening for an Allowance Credit Risk Analyst, Sr.</p><p>
This role is responsible for ensuring that processes used in the calculation and reporting of the Allowance for Credit Losses (ACL) comply with enterprise and regulatory requirements. The candidate will support Allowance governance routines, maintain process design documents, coordinate general ledger entries, and assist with compiling documentation for audit/regulatory exams. The incumbent will work as part of the larger team to assist with reporting, identifying and analyzing credit risks. This position offers visibility to senior management, Risk/Finance partners, auditors and regulators. The successful candidate will be attentive to detail, a strong communicator and proficient in time management.</p><p></p><p><b>
Duties and Responsibilities:</b></p><ul><li>
Use data analytics to evaluate credit performance within the Consumer and Commercial loan portfolios</li><li>
Closely monitor trends, industry/peer performance and the economic environment to assess any potential emerging issues</li><li>
Develop and monitor metrics/analysis based on portfolio performance</li><li>
Contribute to the bank&rsquo;s quarterly Credit Pillar Risk Assessment exercises</li><li>
Prepare management-level presentations and board packages</li><li>
Perform SOX governance activities including control review and control execution</li><li>
Coordinate activities related to internal, external and regulatory exams</li><li>
Leverage existing data sources and problem-solving to develop solutions</li><li>
Performs other duties as assigned</li></ul><p></p><p><b>
Basic Qualifications:</b></p><ul><li>
Bachelor&rsquo;s Degree</li><li>
7 years of combined financial services experience in credit, and/or risk management</li></ul><p></p><p><b>
Preferred Qualifications:</b></p><ul><li>
Minimum of 2 years of experience in SAS, SQL or other data analytics tools</li><li>
Ability to prepare concise presentations to communicate analytical findings to a wide array of audiences</li><li>
Experience driving strategic insights from credit portfolios</li><li>
High proficiency with Microsoft Office applications (Excel, PowerPoint, Word, Outlook)</li><li>
Analytical, critical thinking and problem-solving abilities</li><li>
Self-initiative, effective communication and interpersonal skills</li><li>
Detail oriented with the ability to work under pressure to meet critical deadlines</li><li>
Effective cross-functional project, resource, and stakeholder management</li></ul><p></p><p>
#LI-RP1</p><p><b><br>
Exempt Status: (Yes</b> = not eligible for overtime pay) (<b>No</b> = eligible for overtime pay)</p>
Yes<p></p><p><b>
Applications Accepted Through:</b></p>
04/30/2026<p></p><p>
Huntington expects to accept applications through at least the date above, and may continue to accept applications until the position is filled.</p><p></p><p><b>
Workplace Type:</b></p>
Office<p></p><p>
Our Approach to <b>Office </b>Workplace Type</p><p></p><p>
Certain positions outside our branch network may be eligible for a flexible work arrangement. We&rsquo;re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.</p><p></p><p><b>
Compensation Range:</b></p>
$70,000 - $140,000 Annual Salary<p></p><p>
The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO).</p><p></p><p>
Huntington is an Equal Opportunity Employer.</p><p></p><p>
Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.</p><p></p><p><b>
Note to Agency Recruiters:</b> Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.</p></div><p></p>

Allowance Credit Risk Analyst Sr

Atlas Copco Group

<p></p><div><div><p>Our solutions are a key part of most industries - electronics, medical research, renewable energy, food production, infrastructure and many more. Working with us means working with the latest technologies and groundbreaking, sustainable innovations.
</p><p><b>Join us on our journey for a better tomorrow.
</b></p></div><div><h2 class="jobSectionHeader"><b>Senior Credit Specialist
</b></h2><p>Join Atlas Copco Services Egypt, a leading international market leader in sustainable productivity solutions within the Compressor Technique business area, as a Senior Credit Specialist. This key role within our Shared Services Finance Department involves managing customer credit cases, ensuring accurate financial transactions, and supporting our commitment to excellence in financial operations.
</p><h3 class="jobSectionHeader"><b>About the Role
</b></h3><ul><li>Manage and oversee complex and high-risk customer accounts with a focus on minimizing credit risk and maintaining strong customer relationships.
</li><li>Analyze customer creditworthiness and make advanced credit recommendations and approvals in alignment with corporate credit policies.
</li><li>Support collection activities to optimize cash flow while fostering positive interactions with customers and internal teams.
</li><li>Identify and assess potential credit risks and evolving trends to proactively mitigate financial exposure.
</li><li>Ensure strict adherence to standardized credit procedures, maintaining compliance with internal policies and external regulations.
</li><li>Collaborate cross-functionally with Accounts Receivable, Collections, and business departments to resolve discrepancies and respond to inquiries promptly and effectively.
</li><li>Provide high-quality customer service to business units and business controllers in line with agreed service level agreements.
</li><li>Assist during audit processes by preparing and providing necessary documentation to auditors accurately and on time.
</li><li>Support the preparation of ad hoc reports for Business Controllers and senior management to inform decision-making processes.
</li><li>Contribute to the automation initiatives by assisting in the implementation of innovative tools designed to streamline credit management processes and enhance operational efficiency.
</li><li>Resolve disputes related to invoices, payments, or credit terms with professionalism and timely communication.
</li><li>Follow guidance and requirements provided by the Credit Manager to optimize credit operations.
</li></ul><h3 class="jobSectionHeader"><b>Key Responsibilities in Financial Reporting and Accounting
</b></h3><ul><li>Ensure accounting transactions are accurately recorded in relevant systems timely, strictly adhering to Atlas Copco Group policies and procedures.
</li><li>Take ownership of monthly group reporting duties, including the month-end closing process, to deliver timely and precise financial statement submissions.
</li><li>Perform comprehensive balance sheet and profit &amp; loss analyses, preparing and reviewing reconciliations on a monthly basis.
</li><li>Analyze financial trends and deviations, highlighting and escalating potential risks or discrepancies as required.
</li><li>Provide professional advice and support to business controllers, local entities, and Holdings on accounting, reporting, and local statutory reporting requirements.
</li><li>Collaborate with other departments to resolve any interdepartmental discrepancies and audit queries efficiently.
</li></ul><h3 class="jobSectionHeader"><b>Skills &amp; Competencies
</b></h3><ul><li>Analytical and proactive mindset with problem-solving orientation and respect for deadlines.
</li><li>Excellent communication skills, both written and verbal, with proficiency in English; additional languages are a plus.
</li><li>Well-organized, methodical, and systematic approach to tasks and responsibilities.
</li><li>Strong team collaboration skills with a commitment to continuous learning and development.
</li><li>Demonstrated ability to manage multiple priorities effectively in a dynamic environment.
</li></ul><h3 class="jobSectionHeader"><b>Qualifications &amp; Experience
</b></h3><ul><li>University degree in Accounting, Business, Finance, or a related field.
</li><li>3 to 6 years of experience in Finance Operations, Financial Accounting, or a related credit management role.
</li><li>Experience with Big Four audit firms and financial reporting is considered an advantage.
</li><li>Proficiency in MS Office applications including Excel, Word, and PowerPoint.
</li><li>Experience with ERP systems, particularly SAP, is a strong plus.
</li></ul><h3 class="jobSectionHeader"><b>What We Offer
</b></h3><ul><li>A diverse and inclusive working environment fostering collaboration where employees are valued, empowered, respected, and recognized.
</li><li>Opportunity to contribute to an international market leader committed to innovative and sustainable business practices.
</li><li>A friendly, family-oriented culture with a hybrid work policy promoting work-life balance.
</li><li>A culture that embraces change and values feedback, encouraging ongoing improvement and innovation.
</li><li>Comprehensive support for your professional journey through individual learning opportunities, worldwide job placements, and technical training from our global academy.
</li><li>High standards for employee safety and wellbeing, ensuring a secure and supportive workplace environment.
</li></ul><p>As a Senior Credit Specialist at Atlas Copco, you will play a vital role in strengthening the company's financial health and operational excellence. This position offers a meaningful career path within a global organization dedicated to sustainable productivity and professional development.</p></div></div>
<br><div><div><div><div><div><div><div><div><div>Company: Atlas Copco Group
</div></div><br>
</div></div></div></div><div><div><div><div><div><div>Functional area: </div><div>Finance
</div></div><br>
<div><div>Location: </div><div>Egypt
</div></div><br>
<div><div>City: </div><div>Cairo
</div></div><br>
<div><div>On-site/remote: </div><div>Hybrid
</div></div><br>
<div><div>Brand: </div><div>Atlas Copco
</div></div><br>
<div><div>Company Name: </div><div>Atlas Copco Services Egypt
</div></div><br>
<div><div>Date of Posting: </div><div>April 14, 2026
</div></div><br>
<div><div>Last day to apply: </div><div>May 14, 2026
</div></div><br>
</div></div></div></div><div>Apply for this position</div></div></div></div>

Senior Credit Specialist

First Abu Dhabi Bank (FAB)

<div>
 <p>
  The objective of the Bank in respect of EPB is to become a pre-eminent private bank in the region and be a market leader across UAE in the priority banking arena. Clients in this segment include the High-Net-Worth Individuals &amp;/or all of their group entities representing diverse interests ranging from operating businesses to wide range of investment across various asset classes.
 </p>
 <p>
  <br/>
 </p>
 <p>
  The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for private banking credit portfolio. The role also entails compliance with all credit policies and guidelines. This is senior level role where the staff will engage in high value tickets where structuring of facility is key for complex bespoke facilities. In addition to provide credit underwriting support for assigned portfolio&rsquo;s for facilities in UAE and KSA, the role also assists in obtaining necessary approvals for assigned portfolio in international locations of private banking.
 </p>
 <p>
  <br/>
 </p>
 <p>
  The role is required to engage with the relationship manager in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Skills
  </strong>
 </p>
 <p>
  Loan facilities to the High Net Worth and Ultra High Net Worth clients are structured around the loan size, collateral type, tenor and the financial strength of the borrower. Credit facilities are offered under various lending structures such as Lombard facilities, Commercial/Residential Real Estate and Insurance Financing. Accordingly, the job holder is expected to demonstrate deep knowledge of products, industry, markets, financial statements so that he/she can work across all product groups and respond in a timely manner. Hence it is critical that the job holder, among other credit skills, is able to demonstrate the following EPB-specific skill set:
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   A thorough understanding of risks associated complex facility structures
  </li>
  <li>
   Good understanding of documentation/legal requirements for different types of credit facilities
  </li>
  <li>
   Strong initiative and interactive approach to problem solving while displaying flexibility and negotiation skills.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  He/She is expected to be solution oriented and requires out of the box thinking without seeking to dilute the high standards of credit and be strong partner for business.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Accountabilities
  </strong>
 </p>
 <ul>
  <li>
   Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.
  </li>
  <li>
   Conduct robust credit analysis by ensuring that appropriate Target Market Risk Acceptance Criteria and PBW GCP guidelines are followed as part of approval process.
  </li>
  <li>
   Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring. Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
  </li>
  <li>
   Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.
  </li>
  <li>
   Ensures timely availability of required information to approving authority for credit decision making.
  </li>
  <li>
   Ensure accuracy of data being presented to various stakeholders including senior management
  </li>
  <li>
   Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
  </li>
  <li>
   Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
  </li>
  <li>
   Recommend amendments to the Bank&rsquo;s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank&rsquo;s risk strategy &amp; policy
  </li>
  <li>
   Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Specific Accountability
  </strong>
 </p>
 <ul>
  <li>
   Preparation of comprehensive credit proposals clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio
  </li>
  <li>
   Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
  </li>
  <li>
   Ensure credit processing &amp; approval turnaround times as per agreed SLAs.
  </li>
  <li>
   Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients
  </li>
  <li>
   Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
  </li>
  <li>
   Oversight the mark-to-market revaluation process and take ownership of liaising with the respective RMs to rectify any margin call situations.
  </li>
  <li>
   Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.
  </li>
  <li>
   Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
  </li>
  <li>
   Manage problem credits closely and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.
  </li>
  <li>
   Ensure accuracy of data being presented to various stakeholders including senior management
  </li>
  <li>
   Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Minimum Qualification
  </strong>
 </p>
 <ul>
  <li>
   Must have Bachelor&rsquo;s degree.
  </li>
  <li>
   Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Minimum Experience &amp; Skill Set
  </strong>
 </p>
 <ul>
  <li>
   Minimum 5 years relevant experience in the banking sector with at least 4-5 years in Credit function.
  </li>
  <li>
   Good understanding of various credit products such as Lombard lending, Real Estate financing, FX and Derivatives.
  </li>
  <li>
   Understanding of various Investment products such as bonds, sukuks, stocks, mutual funds, structured notes etc.
  </li>
  <li>
   Ability to look into and beyond Personal Net Worth Statements/financials and see business proposition.
  </li>
  <li>
   Strong structuring skills
  </li>
  <li>
   Good understanding of legal and regulatory framework.
  </li>
  <li>
   Ability to work under pressure
  </li>
  <li>
   Strong communication skills &ndash; written and spoken.
  </li>
 </ul>
</div>


VP, Credit Management

EGBank

<div></div><div><div><div><div><div><div><div><div><b>KEY ACCOUNTABILITIES</b></div></div></div><div><br>
<div>
<div><b>Description</b></div></div></div><div><br>
<div>
<div><ul><li><div>Ensure credit applications are processed within the approved time frame and approved lending parameters while maintaining deviation caps approved by policy.</div>
</li></ul>
<ul><li><div>Verify all credit applications related documents are complete and complying with approved policy and CBE regulations</div>
</li></ul>
<ul><li><div>Must be able to detect fraud applications &amp; ensure that good quality of credit applications is processed</div>
</li></ul>
<ul><li><div>Ensure the standard Operating Procedures for credit underwriting, verification, documentation, delegation is compliant with policy and any exceptions are to be regularly reported to management.</div>
</li></ul>
<ul><li><div>Communicate major deficiencies &amp; policy violations to direct manager to take the needed corrective actions to maintain a good healthy retail credit portfolio.</div>
</li></ul>
<ul><li><div>Provide the needed support with Recommendations with additions &amp; modifications to credit policy, product manual &amp; Operational procedures.</div>
</li></ul>
<ul><li><div>Thrive to maintain good healthy retail credit portfolio through checking various reports such as I-Score reports, CBE Negative list to check credit history and DBR calculations</div>
</li></ul>
<ul><li><div>Conducting contact point verification (CPV) with customer, STL/HR checks with employer, residence verification and mobile verification (If required by credit policy)</div>
</li></ul>
<ul><li><div>Ensure quality of service to Internal &amp; External customers by adhering to the committed turnaround time.</div></li></ul></div></div><br>
</div><br>
<div><div><div><b>Policies, processes and procedures:</b></div>
<div>
Follow all relevant approved department&rsquo;s policies, and procedures and monitor adherence so that work is carried out in a controlled manner.</div></div></div><div><br>
<div>
<div><b>Day-to-Day Management:</b></div>
<div>
Follow the day-to-day operations related to own jobs in the department to ensure continuity of work</div></div></div><div><br>
<div>
<div><b>Compliance:</b></div>
<div>
Comply with all relevant CBE regulations, banking laws, AML regulations and internal EG Bank policies and code of conduct to maintain EG Bank&rsquo;s sound legal position and mitigate any potential risks</div></div></div></div></div><br>
</div>
<p></p><br>
<br>
<div><div><div><div><div><div><b>5. COMMUNICATION &amp; WORKING RELATIONSHIPS</b></div></div></div><div><br>
<div>
<div><b>Internal: Retail Business, Portfolio management, Fraud unit, Legal, compliance,</b></div>
<div><b>
Collection, HR and internal Audit.</b></div>
<div><b>
External:</b> External Clients (call verifications)</div></div></div></div></div><br>
</div>
<p></p><br>
<br>
<div><div><div><div><div><div><b>6. QUALIFICATIONS, EXPERIENCE AND SKILLS</b></div></div></div><div><br>
<div>
<div><b>Qualifications and Experience:</b></div>
<div>
<ul><li><div>Bachelor&rsquo;s degree in Business Administration, Accounting, Economics or a related field.</div>
</li></ul>
<ul><li><div>For the Retail Credit Reviewer role 0-3 years of experience of relevant experience</div>
</li></ul>
<ul><li><div>For the Retail Credit Senior Reviewer role 3-5 years of relevant experience</div>
</li></ul>
<ul><li><div>Experience within the Banking Industry is preferred for the credit reviewer role and is a must for the senior reviewer role.</div>
</li></ul>
</div><div><b>Skills:</b></div>
<div>
<ul><li><div>Excellent command of English and Arabic languages (written and spoken)</div>
</li></ul>
<ul><li><div>Excellent decision making and negotiation skills
</div></li></ul><ul><li><div>Excellent communication skills</div>
</li></ul>
<ul><li><div>Excellent planning and organizing skills</div>
</li></ul>
<ul><li><div>Good Use of Microsoft office tools</div>
</li></ul>
<ul><li><div>Good Business Acumen of external market and up-to date market trends and practices</div></li></ul></div></div></div></div></div></div></div></div><p></p>

Retail Credit Reviewer - Senior Reviewer (3899)

<div></div><div><div><ul><li><div><b>Business Unit</b>
</div><div>QNB - Kuwait
</div></li><li><div><b>Division</b>
</div><div>Risk Management
</div></li><li><div><b>Department</b>
</div><div>Risk Management
</div></li><li><div><b>Location</b>
</div><div>Kuwait, Kuwait
</div></li><li><div><b>Closing Date</b>
</div><div>16-Jul-2026
</div></li></ul></div><div><div><h5 class="jobSectionHeader"><b>About QNB</b></h5>
<p>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.</p>
<p>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.</p>
<p>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.</p>
<p>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.</p>
<p>QNB Group has an active community support program and sponsors various social, educational and sporting events.</p>
</div></div><div><div><div><h5 class="jobSectionHeader"><b>Job Purpose Summary</b></h5>
</div><div><p>The incumbent will be responsible for assisting the management of the process of credit approval on individual credit facility proposals for Corporate and Retail customers (only those retail proposals that fall outside applicable policy parameters), forwarded to them by the appropriate departments/ units. The incumbent will assess the quality of the credit exposure sought to be undertaken and adherence to established policies and procedures. The incumbent will constantly research and seek to apply best practices in credit risk, in accordance with Basel II and other relevant guidelines.</p><p></p>
</div></div><div><div><h5 class="jobSectionHeader"><b>Essential Duties &amp; Responsibilities by Dimensions</b></h5>
</div><div><p><b>A- Shareholder &amp; Financial</b></p><ul><li><p>
Perform activities within the assigned Credit Risk Strategy that reflects the Group&rsquo;s tolerance for risk and the level of profitability the Group expects to achieve for incurring various credit risks.</p></li><li><p>
Ensure the use of a standardized process for evaluating credit proposals ensuring that all approved credits are within QNB&rsquo;s Credit Risk Strategy.</p></li><li><p>
Assist the SVP of Risk in creating Key Performance Indicators (KPIs) for the department and monitor their achievement on periodic basis</p></li><li><p>
Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and monitor same.</p></li><li><p>
Implements KPI&rsquo;s and best practices for role</p></li><li><p>
Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank.</p></li><li><p>
Demonstrate clear understanding of the important factors behind the bank's financial &amp; non-financial performance.</p></li></ul><p><b>
B- Customer (Internal &amp; External)</b></p><ul><li><p>
Coordinate with Compliance Group to ensure an appropriate response to obtain updates on regulations pertaining to credit risk review that are promulgated by the Central Bank, if any.</p></li><li><p>
Build and maintain strong and effective relationship with the all other related departments and units to achieve the Group&rsquo;s goals/ objectives.</p></li><li><p>
Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required.</p></li><li><p>
Assist the SVP of Risk in the development/ finalization of Service Level Agreements (SLAs) between the respective overseas operations and Head Office units/ departments as and when needed, to the extent they relate to the business functions.</p></li><li><p>
Ensure adherence to the Turn around Times (TAT) specified in the SLAs.</p></li><li><p>
To assist customers in all their queries on Bank&rsquo;s product and seek solution to their requests.</p></li><li><p>
Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.</p></li></ul><p><b>
C-Internal (Processes, Products, Regulatory)</b></p><ul><li><p>
Perform credit assessments, and provide credit approvals within the authority delegated to the incumbent.</p></li><li><p>
Ensure compliance with established/ approved credit risk policies and procedures and ensure that a sound environment for identifying, measuring, monitoring and controlling credit risk is in place.</p></li><li><p>
Check coordination with business unit Relationship Managers for the timely receipt of customer documents/ other information required to evaluate the credit worthiness of the proposed borrowers.</p></li><li><p>
Supervise the assessment of the credit proposals is adequate and analyses the various credit risk facets to measure a final credit risk rating including (but not limited to) an assessment of the requested facility and guarantees provided, client management and background, industry analysis, country analysis, external agency credit rating (if applicable), financial and cash flow analysis and the risk rating from the credit risk rating tool in use.</p></li><li><p>
Based on the assessment, recommend extending or declining the facility request or asking for additional security/ further structuring of the deal/ facility to safeguard the Group&rsquo;s interests.</p></li><li><p>
Ensure that all credit approvals meet overall policy guidelines and QCB regulations and to stipulate terms and conditions to mitigate the credit risk borne/ faced by the Group.</p></li><li><p>
Work towards improving overall Group credit portfolio by instilling credit risk best practices.</p></li><li><p>
Address/ facilitate correction of any weaknesses identified during assessments, audits, or examinations.</p></li><li><p>
Coordinate activities with business units to ensure the timely processing of customer credit requests within established TATs.</p></li></ul><p><b>
Continuous Improvement:</b></p><ul><li><p>
Set examples by leading improvement initiatives through cross-functional teams ensuring successes.</p></li><li><p>
Identify and encourage people to adopt practices better than the industry standard.</p></li><li><p>
Continuously encourage and recognise the importance of thinking out-of-the-box within the team.</p></li><li><p>
Encourage, solicit and reward innovative ideas even in day-to-day issues.</p></li></ul><p><b>
D-Learning &amp; Knowledge</b></p><ul><li><p>
Possess an understanding of business processes and controls in all related credit/ operational areas.</p></li><li><p>
Maintain an understanding of all pertinent regulations as well as best practices pertaining to the overall credit operations.</p></li><li><p>
Support in risk management training across all business areas within the Group.</p></li><li><p>
Proactively identify areas for professional development of self and undertake development activities.</p></li><li><p>
Seek out opportunities to remain current with all developments in professional field.</p></li><li><p>
Hold meetings with staff and assess their performance and your teams overall performance on a regular basis.</p></li><li><p>
Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within the team members.</p></li><li><p>
Identify development opportunities and activities for staff and facilitate/coach them to improve their effectives and prepare them to assume greater responsibilities.</p></li></ul><p><b>
E-Legal, Regulatory, and Risk Framework Responsibilities</b></p><ul><li><p>
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).</p></li><li><p>
Understand and effectively perform your role under the Three Lines of Defence principle to identify measure, monitor, manage and report risks.</p></li><li><p>
Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.</p></li><li><p>
Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.</p></li><li><p>
Maintain appropriate knowledge to ensure full qualification to undertake the role.</p></li><li><p>
Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.</p></li><li><p>
Attend mandatory (internal and external) seminars as instructed by the Bank.</p></li></ul><p><b>
F-Other</b></p><ul><li><p>
Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information.</p></li><li><p>
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.</p></li><li><p>
Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position.</p></li><li><p>
All other ad hoc duties/activities related to QNB that management might request from time to time.</p></li></ul>
</div></div><div><div><h5 class="jobSectionHeader"><b>Education and Experience Requirements</b></h5>
</div><div><ul><li><p>University graduate (Bachelor&rsquo;s degree) preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study), Masters preferred.</p></li><li><p>
Professional certification such as PRM, CPA, CFA is preferred.</p></li><li><p>
Sound typically a Minimum of 8 years&rsquo; experience in a major bank of which at least 2 years in bank in a supervisory capacity in risk function.</p></li></ul>
</div></div><div><div><h5 class="jobSectionHeader"><b>Note: you will be required to attach the following:</b></h5>
</div><div><div><ul><li>Resume/CV</li></ul>
<ul><li>Copy of your Passport
</li></ul><ul><li>Copy of Education Certificate</li></ul></div></div></div></div></div><div></div>

Senior Manager - Credit Risk

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