Credit Analyst Credit Analyst …

Qatar National Bank (QNB)
in Hong Kong
Permanent, Full time
Be the first to apply
See description
Qatar National Bank (QNB)
in Hong Kong
Permanent, Full time
Be the first to apply
See description
Qatar National Bank (QNB)
The incumbent will be responsible for reviewing 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 provide analyses and assess the risk of the

Job Description

  • Perform credit assessments, and comply with established/ approved credit risk policies, guidelines and procedures, and relevant laws and banking regulations.
  • Coordinate with business unit Relationship Managers for the timely receipt of customer documents/ other information required to evaluate the credit worthiness of the proposed borrowers.
  • Assist in the assessments on credit proposals by preparing reports and analysis of the various credit risk facets are completed and appropriate for the measurement of borrower and facility risks. Assign final risk ratings, including borrower rating and facility ratings, based on the underlying assessment which includes (but is not limited to) an assessment of the requested facility and security, collateral and guarantees provided, borrower’s management and background, industry analysis, country analysis, external agency credit ratings (if applicable), financial and cash flow analysis, and as applicable, the risk rating from the credit risk rating tool in use. Stipulate terms and conditions to mitigate the credit risk borne/faced by the Group.
  • Ensure all obligors are assigned the appropriate credit ratings, and ensure annual reviews are done and updated on timely basis.
  • Support the supervisor/Head of Credit in preparing recommendations to extend, decline, or request further structuring/guarantees/collaterals to the transactions to minimize credit risk and meet QNB Group credit risk standards.
  • Coordinate activities with business units to ensure the timely processing of customer credit requests within established SLA requirements.
  • Ensuring high standards of data protection and confidentiality to safeguard commercially sensitive information. Maintaining utmost confidentiality with regards to 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.       
  • Maintains high professional standards to uphold QNB's reputation and to strengthen its market leadership position.
  • All other ad hoc duties and/or activities related to QNB that management may request of the employee from time to time

Job Requirements

  • Bachelor degree, preferably in finance, economics or related subjects.
  • 4-6 years experience in a major bank’s risk function.
  • Good quantitative modelling, analytical, and research skills.
  • Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements.
  • Knowledge of financial markets and products.
  • Good understanding of credit risk methodologies and/or other complex financial risk modelling would be highly desirable.
  • Self-motivated, detail-orientation.
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