Manager – Credit Administration (Credit documents for Corporate and Institutional Clients)
About QNB
Established in 1964 as the country’s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region. QNB Group’s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.
QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard & Poor’s (A), Moody’s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialized financial publications.
Based on the Group’s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine. QNB Group has an active community support program and sponsors various social, educational and sporting events.
Job Summary
The incumbent will be responsible for drafting and reviewing credit documents for Corporate and Institutional customers. The incumbent will work closely with Group Credit Administration and Group Legal to ensure adherence to established policies and procedures. Responsible for implementing the credit administration process while maintaining adequate security and facility documentation covering the Banks credit exposure and following the controls and compliance of operational processes and procedures.
Essential Duties & Responsibilities by Dimensions:
A) Shareholder & Financial:
- Act within the limits of the powers delegated to the incumbent
- Implements KPI’s and best practices for role.
- Promote productivity, minimize cost, avoid waste, and optimize benefits for the bank.
B) Customer (Internal & External):
- Build and maintain strong and effective relationship with all other related departments and units
- Adhere to the Turnaround Times (TAT) specified in the SLAs.
- Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.
C) Internal (Processes, Products, Regulatory):
- Facilitate credit documentation, facility implementation and drawdown by working closely with business teams, operations, Group Legal and Group Credit Administration.
- Collect and track all Condition Precedent, Condition Subsequent and other facility documents. Coordinate with business teams or Agents Banks as and when required.
- Monitor credit facilities, policies and procedures review schedules.
- Systemic filing for both physical and soft copies.
- Assist operational risk and liquidity risk management including collation of KRI data and Business Continuity Plan.
D) Learning & Knowledge:
- Possess an understanding of business processes and controls in all related credit/ operational areas.
- Maintain an understanding of all pertinent regulations as well as best practices pertaining to the overall credit operations.
- Proactively identify areas for professional development of self and undertake development activities.
- Seek out opportunities to remain current with all developments in professional field.
E) Legal, Regulatory, and Risk Framework Responsibilities:
- Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML & CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).
- Understand and effectively perform your role under the Three Lines of Defense principle to identify measure, monitor, manage and report risks.
- Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.
- Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.
- Maintain appropriate knowledge to ensure full qualification to undertake the role.
- Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.
- Attend mandatory (internal and external) seminars as instructed by the Bank.
F) Other:
- Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information.
- Maintaining utmost confidentiality concerning 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.
- Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position.
- All other ad hoc duties/activities related to QNB that management might request from time to time.
Education/Experience Requirements:
- University graduate preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study).
- Minimum of 6 years’ experience in a bank’s Credit Administration function.
Required Special Skills:
- Excellent oral and written communication skills in English and Mandarin (preferred).
- Excellent Microsoft Excel, Microsoft Word and Powerpoint skills.
- Strong knowledge of loan syndication loans, club deals, structured finance, bilateral loans and trade finance products.
- Willing to accept additional responsibilities as and when required.
- Solution driven
- Self-motivated, eye for details.
Operating Environment/ Location:
- Located in Country and involves liaison with business units, as and when required.
Framework and Boundaries:
- QNB’s overall strategic plan.
- Budgetary/ scorecard targets.
- Applicable policies and procedures regulations and best practices.
- Delegated and re-delegated authorities as per the delegation of authority structure.
- Instructions of line management, Group Credit Administration and Group Legal.
Communications and Working Relationships:
- Daily contact with both local and Group stakeholders to secure approval and complete the full Credit Administration process with minimal management supervision.
- Swift action in relation to queries from internal audit, external audit, regulators and other relevant stakeholders.
- Able to work collaboratively with colleagues from diverse background.
- Strong sense of ownership.
- A team player.
By applying for this position, you are agreeing to our Applicant Candidate Data Consent notice https://www.qnb.com/sites/qnb/qnbglobal/page/en/enapplicantcandidatedata.html
*** Only candidates based in Hong Kong will be considered for this opening.
*** This position will work closely with team members within Risk and Corporate Banking Team and being the SME for all Credit Administration Documents drafting and review, as well as providing related advisory on the requirements, the job holders are expected to write up credit documentation facility implementation and drawdown by working closely with business teams, operations, Group Legal and Group Credit Administration. Ideal candidates should have international banking experience or have previous worked in Chinese Banks with some international focus.
*** Candidates should speak be able to communicate well in English, Mandarin and Cantonese.
