7 Senior Manager Credit Documentation Qatar jobs in Doha

Overview

The Credit Analyst will provide operational and analytical support to the Real Estate section 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, providing recommendations, noting 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

• Perform all activities, as assigned by the reporting authority, in compliance with regulatory guidelines, and internal policies and procedures.
• 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.
• 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.
• Review to ensure that all credit documents are complete, by identifying documentation deficiencies, if any and report to the respective employees, for timely resolution.
• 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.
• Contribute towards continuous development of credit procedures by recommending solutions and/or ascertaining capacities for enhancement.
• Review to ensure submission of all required documents in relation to the credit processing, including but not limited to Commercial Registrations, etc.
• Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers and the Compliance function within prescribed authority as directed.
• Coordinate with Risk Management function with respect to new/ renewal of limits/input of limits and other related aspects.
• 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.
• Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers, as directed by the reporting authority.
• Perform periodic review/monitoring of the customer accounts, in line with the limits, credit policies and QCB regulations.
• Monitor customer activities in relation to market conditions, conduct of account and other factors, as applicable, to protect Bank’s interests and arrange appropriate classification of accounts.

Qualifications and Experience

• University graduate with a degree in Business or Banking or Finance or any other related discipline.
• Master’s degree in Management any other related discipline will be an added advantage.
• 05-08 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
• Experience in credit analysis, with strong understanding of the local banking industry.
• Professional certification in related area is preferable

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Overview

The

Credit Analyst

will provide operational and analytical support to the Real Estate section 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, providing recommendations, noting 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

Perform all activities, as assigned by the reporting authority, in compliance with regulatory guidelines, and internal policies and procedures. 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. 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. Review to ensure that all credit documents are complete, by identifying documentation deficiencies, if any and report to the respective employees, for timely resolution. 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. Contribute towards continuous development of credit procedures by recommending solutions and/or ascertaining capacities for enhancement. Review to ensure submission of all required documents in relation to the credit processing, including but not limited to Commercial Registrations, etc. Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers and the Compliance function within prescribed authority as directed. Coordinate with Risk Management function with respect to new/ renewal of limits/input of limits and other related aspects. 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. Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers, as directed by the reporting authority. Perform periodic review/monitoring of the customer accounts, in line with the limits, credit policies and QCB regulations. Monitor customer activities in relation to market conditions, conduct of account and other factors, as applicable, to protect Bank’s interests and arrange appropriate classification of accounts. Qualifications and Experience

University graduate with a degree in Business or Banking or Finance or any other related discipline. Master’s degree in Management any other related discipline will be an added advantage. 05-08 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline. Experience in credit analysis, with strong understanding of the local banking industry. Professional certification in related area is preferable

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Overview

Aramco energizes the world economy.

Aramco occupies a unique position in the global energy industry. We are the world's largest producer of hydrocarbons (oil and gas), with the lowest upstream carbon intensity of any major producer.

With our significant investment in technology and infrastructure, we strive to maximize the value of the energy we produce for the world along with a commitment to enhance Aramco's value to society.

Headquartered in the Kingdom of Saudi Arabia, and with offices around the world, we combine market discipline with a generations' spanning view of the future, born of our nine decades experience as responsible stewards of the Kingdom's vast hydrocarbon resources. This responsibility has driven us to deliver significant societal and economic benefits to not just the Kingdom, but also to a vast number of communities, economies, and countries that rely on the vital and reliable energy that we supply.

We are one of the most profitable companies in the world, as well as amongst the top five global companies by market capitalization.

Job Purpose

We are seeking a Credit Risk Analyst to join the credit team in its Credit & Market Analysis Division which is part of the Treasury organization. The main role of the division is to manage credit and market risks.

Your main responsibility will be to safeguard the company's assets by performing quantitative and qualitative credit assessments of counterparties, propose appropriate credit risk mitigation strategies and provide recommendations to management. This position requires strict adherence to the company's credit risk policy and operating procedures.

You will be also required to collaborate with other areas such as Operations, Sales, LAW, Contracting, among others. Therefore, it is essential to possess excellent interpersonal and communication skills in order to succeed in this role.

Key Responsibilities

As a successful candidate, you will perform the following:

• Conduct credit evaluations of counterparties (financial and non-financial institutions).
• Carry out financial qualification of service providers for new projects.
• Conduct in-depth analysis of financial statements and employ the company's internal credit model to derive credit ratings.
• Ensure new business transactions and related risks are appropriately defined, captured, and managed, by the Company's risk methodologies and systems.
• Maintain approved credit limits and ratings in credit database.
• Actively monitor counterparty credit ratings and latest market developments to keep management informed on potential risks.
• Perform stress testing on various portfolios in order to identify and mitigate unwanted exposure.
• Review policies, procedures, and align risk policies across the Group.
• Assist in the consolidation and preparation of reports for management.
• Complete assigned ad-hoc tasks as directed.

Minimum Requirements

As a successful candidate, you will have:

• A Bachelor's degree in finance, economics, accounting, or a related field. MBA or other advanced business degree is preferred.
• Professional certification such as FRM, ERP, CMA or CFA, are highly regarded.
• At least 10 years of relevant credit experience in energy, banking or financial risk management.
• Experience with implementation and application of credit risk models
• In-depth knowledge of qualitative and quantitative credit assessments
• Extensive experience analyzing financial statements
• Ability to meet tight deadlines to submit credit recommendations to management
• Advanced proficiency in Microsoft Excel including Excel models

Certificates

• Title : Assoc of Chartered Certified Accountant (ACCA) - Req./Pref.: Preferred - Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation
• Title : Certified Financial Analyst (CFA) - Req./Pref.: Preferred - Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation
• Title : Certified Internal Auditor (CIA) - Req./Pref.: Preferred - Comments-Nature of Cert./License Relations: Certification in the areas of internal audit & practice
• Title : Certified Management Accountant (CMA) - Req./Pref.: Preferred - Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation
• Title : Certified Public Accountant (CPA) - Req./Pref.: Preferred - Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation
• Title : Saudi Org of Certified Public Accountant (SOCPA) - Req./Pref.: Preferred - Comments-Nature of Cert./License Relations: Certification in the areas of accounting & Auditing Standards

Working environment

Our high-performing employees are drawn by the challenging and rewarding professional, technical and industrial opportunities we offer, and are remunerated accordingly.

At Aramco, our people work on truly world-scale projects, supported by investment in capital and technology that is second to none. And because, as a global energy company, we are faced with addressing some of the world's biggest technical, logistical and environmental challenges, we invest heavily in talent development.

We have a proud history of educating and training our workforce over many decades. Employees at all levels are encouraged to improve their sector-specific knowledge and competencies through our workforce development programs - one of the largest in the world.

Country/Region: SA

Overview

Aramco energizes the world economy.

Aramco occupies a unique position in the global energy industry. We are the world's largest producer of hydrocarbons (oil and gas), with the lowest upstream carbon intensity of any major producer.

With our significant investment in technology and infrastructure, we strive to maximize the value of the energy we produce for the world along with a commitment to enhance Aramco’s value to society.

Headquartered in the Kingdom of Saudi Arabia, and with offices around the world, we combine market discipline with a generations’ spanning view of the future, born of our nine decades experience as responsible stewards of the Kingdom’s vast hydrocarbon resources. This responsibility has driven us to deliver significant societal and economic benefits to not just the Kingdom, but also to a vast number of communities, economies, and countries that rely on the vital and reliable energy that we supply.

We are one of the most profitable companies in the world, as well as amongst the top five global companies by market capitalization.

Job Purpose

We are seeking a Credit Risk Analyst to join the credit team in its Credit & Market Analysis Division which is part of the Treasury organization. The main role of the division is to manage credit and market risks.

Your main responsibility will be to safeguard the company’s assets by performing quantitative and qualitative credit assessments of counterparties, propose appropriate credit risk mitigation strategies and provide recommendations to management. This position requires strict adherence to the company’s credit risk policy and operating procedures.

You will be also required to collaborate with other areas such as Operations, Sales, LAW, Contracting, among others. Therefore, it is essential to possess excellent interpersonal and communication skills in order to succeed in this role.

Key Responsibilities

As a successful candidate, you will perform the following:

• Conduct credit evaluations of counterparties (financial and non-financial institutions).
• Carry out financial qualification of service providers for new projects.
• Conduct in-depth analysis of financial statements and employ the company’s internal credit model to derive credit ratings.
• Ensure new business transactions and related risks are appropriately defined, captured, and managed, by the Company’s risk methodologies and systems.
• Maintain approved credit limits and ratings in credit database.
• Actively monitor counterparty credit ratings and latest market developments to keep management informed on potential risks.
• Perform stress testing on various portfolios in order to identify and mitigate unwanted exposure.
• Review policies, procedures, and align risk policies across the Group.
• Assist in the consolidation and preparation of reports for management.
• Complete assigned ad-hoc tasks as directed.

Minimum Requirements

As a successful candidate, you will have:

• A Bachelor’s degree in finance, economics, accounting, or a related field. MBA or other advanced business degree is preferred.
• Professional certification such as FRM, ERP, CMA or CFA, are highly regarded.
• At least 10 years of relevant credit experience in energy, banking or financial risk management.
• Experience with implementation and application of credit risk models
• In-depth knowledge of qualitative and quantitative credit assessments
• Extensive experience analyzing financial statements
• Ability to meet tight deadlines to submit credit recommendations to management
• Advanced proficiency in Microsoft Excel including Excel models

Certificates

• Title : Assoc of Chartered Certified Accountant (ACCA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation
• Title : Certified Financial Analyst (CFA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation
• Title : Certified Internal Auditor (CIA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: Certification in the areas of internal audit & practice
• Title : Certified Management Accountant (CMA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation
• Title : Certified Public Accountant (CPA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation
• Title : Saudi Org of Certified Public Accountant (SOCPA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: Certification in the areas of accounting & Auditing Standards

Working environment

Our high-performing employees are drawn by the challenging and rewarding professional, technical and industrial opportunities we offer, and are remunerated accordingly.

At Aramco, our people work on truly world-scale projects, supported by investment in capital and technology that is second to none. And because, as a global energy company, we are faced with addressing some of the world’s biggest technical, logistical and environmental challenges, we invest heavily in talent development.

We have a proud history of educating and training our workforce over many decades. Employees at all levels are encouraged to improve their sector-specific knowledge and competencies through our workforce development programs – one of the largest in the world.

Country/Region: SA

#J-18808-Ljbffr

Overview

Aramco energizes the world economy. Aramco occupies a unique position in the global energy industry. We are the world's largest producer of hydrocarbons (oil and gas), with the lowest upstream carbon intensity of any major producer. With our significant investment in technology and infrastructure, we strive to maximize the value of the energy we produce for the world along with a commitment to enhance Aramco’s value to society. Headquartered in the Kingdom of Saudi Arabia, and with offices around the world, we combine market discipline with a generations’ spanning view of the future, born of our nine decades experience as responsible stewards of the Kingdom’s vast hydrocarbon resources. This responsibility has driven us to deliver significant societal and economic benefits to not just the Kingdom, but also to a vast number of communities, economies, and countries that rely on the vital and reliable energy that we supply. We are one of the most profitable companies in the world, as well as amongst the top five global companies by market capitalization. Job Purpose

We are seeking a Credit Risk Analyst to join the credit team in its Credit & Market Analysis Division which is part of the Treasury organization. The main role of the division is to manage credit and market risks. Your main responsibility will be to safeguard the company’s assets by performing quantitative and qualitative credit assessments of counterparties, propose appropriate credit risk mitigation strategies and provide recommendations to management. This position requires strict adherence to the company’s credit risk policy and operating procedures. You will be also required to collaborate with other areas such as Operations, Sales, LAW, Contracting, among others. Therefore, it is essential to possess excellent interpersonal and communication skills in order to succeed in this role. Key Responsibilities

As a successful candidate, you will perform the following: Conduct credit evaluations of counterparties (financial and non-financial institutions). Carry out financial qualification of service providers for new projects. Conduct in-depth analysis of financial statements and employ the company’s internal credit model to derive credit ratings. Ensure new business transactions and related risks are appropriately defined, captured, and managed, by the Company’s risk methodologies and systems. Maintain approved credit limits and ratings in credit database. Actively monitor counterparty credit ratings and latest market developments to keep management informed on potential risks. Perform stress testing on various portfolios in order to identify and mitigate unwanted exposure. Review policies, procedures, and align risk policies across the Group. Assist in the consolidation and preparation of reports for management. Complete assigned ad-hoc tasks as directed. Minimum Requirements

As a successful candidate, you will have: A Bachelor’s degree in finance, economics, accounting, or a related field. MBA or other advanced business degree is preferred. Professional certification such as FRM, ERP, CMA or CFA, are highly regarded. At least 10 years of relevant credit experience in energy, banking or financial risk management. Experience with implementation and application of credit risk models In-depth knowledge of qualitative and quantitative credit assessments Extensive experience analyzing financial statements Ability to meet tight deadlines to submit credit recommendations to management Advanced proficiency in Microsoft Excel including Excel models Certificates

Title : Assoc of Chartered Certified Accountant (ACCA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation Title : Certified Financial Analyst (CFA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation Title : Certified Internal Auditor (CIA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: Certification in the areas of internal audit & practice Title : Certified Management Accountant (CMA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation Title : Certified Public Accountant (CPA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: 2 yrs is waived from minimum Yrs of exp. on full accreditation Title : Saudi Org of Certified Public Accountant (SOCPA) — Req./Pref.: Preferred — Comments-Nature of Cert./License Relations: Certification in the areas of accounting & Auditing Standards Working environment

Our high-performing employees are drawn by the challenging and rewarding professional, technical and industrial opportunities we offer, and are remunerated accordingly. At Aramco, our people work on truly world-scale projects, supported by investment in capital and technology that is second to none. And because, as a global energy company, we are faced with addressing some of the world’s biggest technical, logistical and environmental challenges, we invest heavily in talent development. We have a proud history of educating and training our workforce over many decades. Employees at all levels are encouraged to improve their sector-specific knowledge and competencies through our workforce development programs – one of the largest in the world. Country/Region:

SA

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**Job Background and Context**
- Part of the ICG Regional Credit Risk team supporting Middle East 6 cluster including Bahrain, Iraq, Kuwait, Oman, Qatar and Saudi Arabia.
- Global and local regulatory requirements relating to Credit Risk. Responsibility for regulation interpretation and assessment, and recommendations to ensure compliance with regulatory requirements impacting Credit Risk.
- Supports activities relating to regulatory processes impacting Credit Risk (e.g. IFRS9, ICAAP).
- Regional Credit (GI&RC) works with the Institutional Client Group (ICG) bankers and product specialists. Working in conjunction with the bankers, we are able to make informed decisions through an understanding of the credit, structure and profitability features of each relationship.

**Key Responsibilities**

In close cooperation with the Country Risk Manager and as part of the ICG Regional Credit Risk team, responsibilities include:

- Evaluate local regulatory matters (policies, laws, and regulatory and supervisory requirements in the cluster, and how these are to be complied with through either Citi global, regional or local credit risk policies, standards and/or processes. Ensure that regulatory mapping to independent Risk-owned ARCMs (Activity, Risk, Control, Monitoring) is accurate, appropriate and maintained up to date on ongoing basis.
- Ensure effective and timely management of all Assessment Unit (AU) duties for Regulatory Change Management (RCM) and Management Control Assessment purpose (MCA) purpose.
- Development, drafting and recommendation of local Credit Risk Policies and Procedures to comply with Local Credit Risk Regulation in the absence or limitation of Citi policies, standards and/or processes. Follow the changes in local Banking Law and procedures, provide update if needed on a timely basis and ensure timely update of mapping, ARCMs and local policies and procedures.
- Develops working knowledge of industry practices and standards in order to support understanding of the above activities, coordinate communication with regulatory bodies, credit bureaus, banking associations and similar entities on behalf Credit Risk.
- Lead regulatory inquiries and/or examinations impacting Credit Risk, including regulatory required reporting.
- Coordinate examinations conducted internally by FCR, Internal Audit, COBRA and other functions. Manage Issues/ CAPs related to ICG Credit Risk.
- Lead activities impacting regulatory requirement and Credit Risk, for example, Internal Capital Adequacy Assessment Plan (“ICAAP”), IFRS9 activities and Basel related activities.
- Using various systems, resources and tools, perform portfolio management tasks including portfolio reporting, rapid portfolio reviews, stress tests.
- Lead the process of monitoring and controlling excesses and breaches (facility, concentration limits, cross-border limits), margin calls, past due obligations, exceptions. Coordinate monthly ticklers reviews and follow-up on timely update of risk ratings, support calls, collateral monitoring, quarterly credit reviews (CCM, Leveraged Lending, PWL).
- Provide Credit Risk input on all above matters to various governance bodies and committees including but not limited to BRCC, CCC, ALCO, Franchise and Business planning reviews, various level portfolio reviews.

**Development Value**
- Opportunity to obtain global and domestic regulatory credit risk exposure and experience.
- Exposure to different functional disciplines which interact with Credit Risk in these activities.
- Opportunity to gain in-depth knowledge of Risk and Portfolio management, broaden one’s knowledge of multiple markets, products and industries, interface with the seniors, execute business growth strategy, and contribute towards key MENA Cluster growth objectives.

**Knowledge and Experience**
- Experience in managing financial regulatory, franchise and governance matters. Knowledge of Local Credit Risk Regulation will be an advantage
- Knowledge of Citi Credit Risk policies or ability to quickly develop a working knowledge thereof
- Good understanding of accounting, product and finance principles including IFRS9 and ICAAP will be an advantage

**Skills & Competencies**
- Excellent verbal & written communication skills. Active listening skills.
- Excellent attention to detail; Analytical thinking.
- Strong interpersonal skills with the ability to navigate a complex organization and work collaboratively and with people at all levels of the organization, including regional and global partners
- Excellent planning, project management and organizational skills and capability to handle multiple projects at one time
- Ability to deal with ambiguity and to function independently
- Ability to understand capital markets products and complex structures.
- Ability to evaluate, negotiate, structure and/or monitor extensions of credit.
- Thorough understanding of the credit and/or portfolio management process
- Strong decision making and influencing abi