Assistant Credit Manager

About Commercial Bank Of Qatar

Established in 1975 and located in Doha, Commercial Bank contributes significantly to Qatar's economy by delivering diverse financial services including personal, business, government, international, and investment banking solutions. The Bank prioritizes employee empowerment and career development within a culture that embraces innovation, work-life balance, and professional growth.

Job Summary

The Assistant Credit Manager oversees the complete process of credit approval and monitoring. Responsibilities include managing the credit portfolio oversight, controlling MIS reporting, auditing policy and procedural adherence, managing approved company listings for retail lending, developing new employer codes, conducting monthly portfolio credit performance analyses, and supporting system improvements and automation projects.

Key Responsibilities

• Perform thorough underwriting functions such as assessing credit proposals, reviewing credit bureau data, and making loan application decisions aligned with credit policies.
• Maintain and update the approved company list for retail lending.
• Create new employer codes and ensure data integrity in the CRM system.
• Respond to business inquiries concerning product policies.
• Support enhancement initiatives for retail lending automation.
• Prepare comprehensive monthly credit portfolio performance reports.
• Detect early indicators of credit risk degradation and liaise with business units to mitigate concerns proactively.
• Generate critical reports and dashboards for planning, forecasting, and performance analysis purposes.
• Review and recommend alterations to credit policies and criteria when necessary.
• Monitor product campaign outcomes and employer-level performance, suggesting suitable corrective measures.
• Identify and implement opportunities for system, process, and automation enhancements to improve efficiencies and reduce costs.
• Adhere to all departmental policies, procedures, and operational standards to maintain controlled, consistent work practices.
• Contribute to timely and accurate preparation of departmental reports in compliance with departmental requirements and standards.
• Ensure compliance with quality, health, safety, and environmental standards to safeguard staff wellbeing and service excellence.

Qualifications and Experience

• Possess a graduate degree in business or an equivalent field.
• Have 5 to 7 years of relevant experience in retail credit functions.

Why Work at Commercial Bank?

• Recognized as the Best Digital Bank in the Middle East 2024 and awarded Best Mobile Banking App in the Middle East 2024.
• Benefit from an innovation-driven, digital-first work environment leveraging contemporary technologies.
• Gain global exposure through international partnerships and networking opportunities.
• Experience an emphasis on employee well-being and maintaining work-life balance.
• Receive competitive compensation and benefits rewarding performance and commitment.
• Join a diverse, equitable, and inclusive workplace valuing varied perspectives.

Disclaimer

Only shortlisted candidates will be contacted as part of the recruitment process. Commercial Bank reserves the right to modify, withdraw, or close this vacancy without prior notice.