Assistant Credit Manager

About Commercial Bank of Qatar

Commercial Bank, founded in 1975 and headquartered in Doha, plays a vital role in Qatar’s economic development by offering a range of personal, business, government, international and investment services.

We believe in empowering our employees, providing them with opportunities for growth and professional development.

By Joining us, you’ll be part of a workplace culture that fosters innovation, supports work-life balance, and encourages you to reach your full potential.

Join us in shaping the future of banking!

Job Summary

The Assistant Credit Manager position is accountable for the entire credit granting and monitoring process including Portfolio Management control & MIS, policy and process Audit. The job profile is accountable for the consistent application of credit policy/criteria, Approved Company List Management for Retail Lending, New employer code creation, Monthly credit performance reviews of existing portfolios by in depth analysis and to provide feedback on the performance of the policies, System enhancements & Automation projects

Key Responsibilities

Retail Credit Operations

• Conduct underwriting activities (i.e., analysing credit applications, reviewing credit bureau reports, deciding/recommending loan applications) and ensure quality and adherence to credit policies/criteria.
• Maintain the Approved List of Companies for Retail Lending
• New employer code creation and Quality maintenance in CRM
• Attending Business enquiries related to various product policies.
• Support in Enhancing Retail Lending automation projects

Credit Portfolio Monitoring

• Prepare monthly detailed portfolio performance review MIS
• Identify and report early warning signs of deterioration and follow up with relevant business counterparts in order to proactively deal with any issues.
• Prepare required reports and dashboards including financing volume reports for use in planning, forecasting and performance monitoring.
• Review and propose policy/criteria change as and when needed.
• Monitor and control performance of product campaigns
• Monitor Employer level performance and recommend appropriate action

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Continuous Improvement

• Contribute to the identification of opportunities for continuous improvement of systems, automation processes and practices considering ‘international leading practice’, improvement of business processes, cost reduction and productivity improvement.

Policies, Systems, Processes & Procedures

• Follow all relevant departmental policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner.

Statements and Reports

• Assist in the preparation of timely and accurate departmental statements and reports to meet CBQ and department requirements, policies and standards.

Quality, Health, Safety, & Environment

• Ensure all relevant quality, health, safety and environmental procedures, instructions and controls are adhered to so that the safety of employees, quality of products/services and environmental compliance can be guaranteed.

Qualifications & Experience

Minimum Qualifications:

• Graduate degree in business or equivalent.

Minimum Experience:

• 5-7 years’ relevant experience in retail credit function.

Why Commercial Bank?

• Best Digital Bank in the Middle East 2024 by World Finance and Best Mobile Banking App in the Middle East 2024 by Global Finance.
• An Innovation-Driven, Digital-First Environment where employees work with the latest tools and technologies to redefine banking
• Opportunities for Global Partnerships & International Exposure, connecting employees with global networks and perspectives.
• A focus on Employee Well-being & Work-Life Balance, ensuring a healthy and supportive environment for all team members
• Competitive Compensation & Benefits that ensure our employees are rewarded for their dedication and performance
• A strong Commitment to Diversity, Equity & Inclusion, fostering a culture that values every individual’s unique perspective.

At Commercial Bank, we don’t just offer careers, We shape futures by pioneering digital transformation in Qatar’s banking sector, blending digital-first approach to redefine banking through innovative solutions.

Disclaimer:

We appreciate your interest in joining CBQ! Please note that only selected candidates will be contacted for further steps in the hiring process. This job posting is for informational purposes only, and CBQ reserves the right to modify, withdraw, or close it at any time without notice.