Commercial Bank
Senior Credit Manager
Commercial BankQatar1 day ago
Full-timeFinance, Sales
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

  • To oversee, review and provide quality recommendations on credit applications for local corporate and SME clients and approve under the delegated credit authority to ensure adherence to defined credit risk appetite and regulatory requirements.
  • To lead and manage and monitor development and implementation of credit policies and enhancement of credit support system (MRA, CARE, OOT, CBR, KAPITI etc.) to ensure compliance with the bank's credit risk management policies, standards and practices.

Key Accountabilities

Credit Process Management

  • Promote a risk management culture that provides good analysis, sound judgment, flexibility and a correct “risk/reward” balance
  • Lead the credit review with high quality of analysis of credit applications for international, local corporate & SME clients and make sensible recommendations with practical, risk mitigating and acceptable conditions / facility structuring to approval authorities to facilitate adherence to defined risk levels and approve under the delegated credit authority.
  • Undertake qualitative and effectiveness one-to-one discussions with the Business and reach to an acceptable solution (independently of CCO) which addresses the risk concerns as well as of Business.
  • Checking that spreading and financial analysis is correctly carried out in the MRA and carry out appropriate re-classifications wherever necessary and ensure that MRA grading of account is appropriately done and reflects the underlying risk.
  • Based on analysis of credit requests and review of proposed facilities structure, validate customer ratings / grade, RAROC, expected loss and LGD calculation and estimate risk change to facilitate management decision making.
  • Align existing credit processes quickly and responsively to meet dynamic strategic/organisational objectives within acceptable risk objectives.
  • With respect to performing grade portfolio, continually assess business, financial and economic risks, identify deteriorating risk profiles together with Chief Credit Officer and ensuring that corporate credit portfolio quality is a maintained or improved, with minimal slippages into NPL category and therefore minimizing loan provisions; approve upgrades/downgrades in customer credit ratings in the process.
  • Contribute in defining risk appetite (qualitative and quantitative) within the CBQ’s framework for the bank to meet the strategic objectives.
  • Work closely with portfolio management to evaluate portfolio based on various parameters including but not limited to concentration risks, ECL and within the defined boundaries, steering course accordingly; Participate in industry peer analysis and suggest alternative new methods /models for industry risk evaluation.
  • Co-lead with other senior Risk/Credit staff in the development, performance monitoring and evaluation of all appropriate corporate credit policy.
  • Implement credit policies, profitability models, scoring models and enhancements of credit support systems.
  • Participate in other credit risk related projects, including those to Basel II Advanced IRB approach.
  • Exercise a substantial personal lending approval authority and where outside that authority, formulate recommendations to higher authorities.
  • Act as a Secretary to the Bank’s Management Credit Committee.

Other Accountabilities

Leadership & Supervision of Subordinates

  • Organise and supervise the activities and work of subordinates to ensure that all work within a specific area of the activity is carried out in an efficient manner which is consistent with operating procedures and policy.
  • Provide on-the-job training and constructive feedback to subordinates to support their overall development.

Business Development & Customer Relations

  • Manage the corporate credit including credit assessment, approval and monitoring of obligor level credit proposals. Ensure that credits approved are fundamentally strong based on sound appraisals standards followed by robust monitoring to avoid foreseeable slippages in credit quality.
  • Set and manage credit evaluation standards in line with the regulatory requirements as well as the internal credit policy and risk appetite requirements, within defined turnaround time.

Controlling & Monitoring

  • Keep track of the borrowers’ compliance with credit terms and in conjunction with Business, CMCU, FPMU / RERU and Operation to identify early signs of irregularity that may affect credit decisions (account activity type and transaction volume, credit utilization, etc.) while promptly highlighting any major deviations to superior for corrective action.

Change Management & Continuous Improvement

  • Motivate subordinates and contribute to the identification of opportunities for continuous improvement of systems, processes and practices taking into account ‘international leading practice’, improvement of business processes, cost reduction and productivity improvement.

Policies, Systems, Processes & Procedures

  • Recommend improvements to departmental procedure and direct the implementation of instructions and controls covering a specific area of activity so that all relevant procedural/legislative requirements are fulfilled while delivering a quality, cost-effective service.

Quality, Health, Safety, & Environment

  • Ensure compliance to all relevant quality, health, safety and environmental management procedures and controls within a defined area of activity to guarantee employee safety, compliance, delivery of high quality products/service and a responsible environmental attitude.

MIS and Reports

  • Prepare departmental MIS statements and reports timely and accurately to meet CBQ and department requirements, policies and standards.

Qualifications, Experience

Required Qualifications:

  • Bachelor degree in business-related major or equivalent AND
  • A globally recognised post-graduate degree or equivalent professional qualifications from a globally recognised institute in area of finance, economics and accounting (e.g. CFA, CA, CIMA, MBA) + Credit or Risk qualification from Banking bodies or FRM or PRM is preferable.

Required Experience

  • 12 – 15 years of relevant experience in corporate banking and corporate credit functions including at least 5 years in positions of progressively increasing managerial responsibilities.
  • Minimum 5 years of local / GCC experience would be a big advantage indicating deep understanding of Gulf based corporate business clients, economic sectors, macro-economic factors and related country risks.
  • Extensive experience in assessing contract finance, real estate finance, corporate banking (big, mid and SME) as well as Factoring / Trade Finance proposals;

Why Commercial Bank

  • Best Performing Bank in Qatar in The Banker’s prestigious Top 1000 World Banks Rankings 2025.
  • 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.
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