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Senior Credit Manager
Senior Credit ManagerCommercial Bank Of Qatar • Doha, Ad-Dawhah, Qatar
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Senior Credit Manager

Senior Credit Manager

Commercial Bank Of Qatar • Doha, Ad-Dawhah, Qatar
11 منذ أيام
الوصف الوظيفي

Senior Credit Manager – Commercial Bank

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.

Job Summary

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

Key Accountabilities

  • 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, making sensible recommendations with practical, risk‑mitigating and acceptable conditions / facility structuring to approval authorities.
  • Undertake qualitative and effectiveness one‑to‑one discussions with the Business and reach to an acceptable solution, independent of CCO, addressing risk concerns and business requirements.
  • Check that spreading and financial analysis is correctly carried out in the MRA and carry out appropriate re‑classifications where necessary, ensuring MRA grading reflects the underlying risk.
  • 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.
  • Actively assess business, financial and economic risks, identify deteriorating risk profiles together with the Chief Credit Officer, ensuring that the corporate credit portfolio quality is maintained or improved, minimising loan provisions and approving upgrades / downgrades in customer credit ratings.
  • Contribute to defining risk appetite (qualitative and quantitative) within the CBQ framework.
  • Work closely with portfolio management to evaluate portfolio based on concentration risks, ECL and other parameters, steering the course accordingly; participate in industry peer analysis and suggest alternative new methods / models for 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; where outside that authority, formulate recommendations to higher authorities.
  • Act as Secretary to the Bank’s Management Credit Committee.

    • Leadership & Supervision of Subordinates

  • Organise and supervise the activities and work of subordinates to ensure all work within a specific area is carried out efficiently and in compliance with operating procedures and policy.
  • Provide on‑job training and constructive feedback to support their overall development.

    • Business Development & Customer Relations

  • Manage the corporate credit including assessment, approval and monitoring of obligor‑level credit proposals, ensuring that credits approved are fundamentally strong and that robust monitoring prevents quality slippages.
  • Set and manage credit evaluation standards in line with regulatory requirements and internal credit policy and risk appetite requirements, within defined turnaround time.

    • Controlling & Monitoring

  • Track borrowers’ compliance with credit terms and, in conjunction with Business, CMCU, FPMU / RERU and Operations, identify early signs of irregularity that may affect credit decisions, promptly highlighting major deviations to superiors 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, cost reduction and productivity improvement.

    • Policies, Systems, Processes & Procedures

  • Recommend improvements to departmental procedures and direct the implementation of instructions and controls to meet procedural / legislative requirements while delivering quality, cost‑effective service.

    • Quality, Health, Safety & Environment

  • Ensure compliance with all relevant quality, health, safety and environmental management procedures and controls within a defined area of activity to guarantee employee safety, high-quality service delivery and 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 and Experience

  • Required Qualifications
  • Bachelor’s degree in business‑related major or equivalent AND
  • A globally recognised post‑graduate degree or equivalent professional qualifications from a globally recognised institute in finance, economics or accounting (e.g. CFA, CA, CIMA, MBA) and a 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 responsibility.
  • Minimum 5 years of local / GCC experience is highly advantageous.
  • 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.
  • Innovation‑driven, digital‑first environment where employees work with the latest tools and technologies.
  • Opportunities for global partnerships and international exposure.
  • Focus on employee well‑being & work‑life balance.
  • Competitive compensation & benefits.
  • Strong commitment to diversity, equity & inclusion.

    • 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.

    Seniority level : Director

    Employment type : Full‑time

    Job function : Finance and Sales

    Industry : Banking

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