Senior Credit Analyst - QNB Factoring

Narrative Description: Direct and oversee QNB Factoring’s credit analysis and documentation processes, including conducting thorough credit assessments, supervising Factoring Analysis Memo, and ensuring thorough credit analysis & full compliance with internal policies and regulatory requirements, with responsibility for maintaining a healthy and sustainable company portfolio Duties & Responsibilities :

1. Collaborate with the Commercial Team to prepare new and renewal Factoring applications for approval.
2. Review, supervise, and enhance the preparation of complex Factoring Analysis Memos (FAM) in line with approved credit standards.
3. Conduct comprehensive credit analysis by evaluating investigation results, account performance, financial statements, credit data, and market conditions to appropriately structure credit facilities.
4. Ensure timely renewal of Factoring credit lines prior to their expiry dates.
5. Align Factoring Analysis Memos with approved terms, conditions, and corresponding credit files.
6. Develop, maintain, and regularly update a comprehensive database of Factoring credit files.
7. Verify the adequacy of facility securities and supporting documentation during the preparation of FAMs.
8. Manage the registration, archiving, and proper filing of all Factoring Analysis memos.
9. Coordinate with branch network teams regarding clients’ Factoring credit files and requirements.
10. Monitor market trends and industry developments to support informed and sound credit decisions.
11. Support the Commercial Team and branch network in identifying Early Warning Indicators (EWIs) to safeguard portfolio quality in case of QNB clients.
12. Assess customer creditworthiness and participate in structuring and negotiating appropriate credit terms.
13. Handle special client requests and prepare related Factoring credit memos for approval.
14. Participate in client visits and conference calls in coordination with the Commercial Team and branch network.
15. Perform daily follow-up on assigned tickets to ensure compliance with approved Service Level Agreements (SLAs) and timely delivery of high-quality credit memos.
16. Ensure strict adherence to data security principles and compliance with internal policies, regulatory requirements, and governing rules.
17. Work closely with credit admin and operations on the implementation & fulfillment of risk decision on all memos.
18. Ensure the correct functioning and implementation of the Permanent Supervision, Compliance and Money Laundering, Operational Risk, and Workplace Success Guidelines whenever and wherever possible.
19. Ensure correct adoption of all policies and procedures to guarantee that QNB business is conducted in compliance with local law, internal rules and regulations, as well as International Standards. Experience . senior Analyst: Minimum of 2 years of experience in banking/factoring companies.