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Senior Credit Reviewer - Auditor

Senior Credit Reviewer - Auditor

thecommercLahore, Punjab, Pakistan
19 days ago
Job description

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

Perform high quality risk based business audits and credit reviews in order to provide value adding and leading practice recommendations on design and effectiveness of processes, asset quality, etc.

Key Accountabilities

Credit and Loan Reviews

  • Perform high-quality end-to-end loan and credit reviews across multiple segments — Domestic & International Corporates, Government, Public Sector, Financial Institutions, SMEs, Remedial Assets, and Premium Banking.
  • Comprehensive assessment of loan asset quality, financial statements analysis, valuations analysis, cash flows analysis, control effectiveness, credit processes, and quality of earnings, providing value-adding recommendations for improvement.
  • Conduct risk-based audits of Credit Business Segments, Risk Management and Credit operations teams to verify compliance with facility agreements, internal policies, procedures, delegation of authority and regulatory requirements.
  • Corporate Credit Risk and Retail Credit Risk Functions
  • Basel III – Pillar 1 and Pillar 2 (ICAAP)
  • IFRS 9 and Expected Credit Loss (ECL)
  • Market Risk and Risk Models Development and Validation Functions.
  • Evaluate the design, methodology, and implementation of risk models and regulatory capital frameworks.

Treasury, ALM, and Investment Audits

  • Conduct end-to-end audits of Treasury and Asset-Liability Management (ALM) activities, including front, middle, and back office operations.
  • Review investment portfolios, risk management frameworks, and related operational processes to verify adequacy of controls and compliance with policy and regulatory requirements.
  • Wealth Management and Asset Management Audits

  • Execute risk-based audits of Wealth Management and Asset Management functions, focusing on investment governance, client suitability, and operational controls.
  • Financial Reporting and Regulatory Reporting Audits

  • Internal Financial Control over Financial Reporting framework and end-to-end processes : Conduct end-to-end audits of the ICOFR framework and process in accordance with the COSO requirements, QFMA, QCB and Qatar Exchange requirements.
  • Key Liquidity and Funding Regulatory Ratios : Liquidity and Funding Ratios (LCR, NSFR, Credit-Deposit Ratio, Net Open Position)
  • ALM methodologies, assumptions, and models
  • Review compliance with QCB and international reporting standards.
  • Other Accountabilities

  • Periodically review the Bank’s ESG framework, related methodologies, and KPI verification processes as reported to the Qatar Central Bank.
  • Evaluate ESG integration into business and risk frameworks, in accordance with regulatory requirements.
  • Transaction Banking and Cash Management Audits

  • Audit Transaction Banking – Conduct risk based audits of Cash Management Business services and solutions, corporate portals (CTP, CIB), corporate onboarding processes.
  • Audit of Real Estate Activities and Property Management

  • Conduct risk audits of Real Estate activities, covering Property and Facility Management, Regulatory Approvals, Sales & Marketing, and related operational areas.
  • Knowledge of Real Estate laws in Qatar, including ISO and other leading standards for property management, facility management etc.
  • Audit Planning and Execution

  • Develop Risk and Control Matrices (RCMs) and Audit Plans (APs) for all reviewable units, updating them based on evolving risk profiles.
  • Prepare planning memoranda outlining objectives, scope, and key risks for each assignment.
  • Identify control design weaknesses, process inefficiencies, ineffective controls, and operational risks through analytical testing and stakeholder discussions.
  • Reporting and Finalization

  • Draft concise and well-structured audit findings and reports, focusing on material risk issues and business impact.
  • Facilitate management discussions, obtain responses, and agree on corrective action plans.
  • Present findings in opening, interim, and closing meetings with senior management.
  • Maintain professional and collaborative relationships with business, risk, and operations teams.
  • Follow-up and Continuous Improvement

  • Track and monitor remediation of audit findings and ensure timely closure of open issues.
  • Maintain comprehensive audit working papers in line with IIA and QCB standards.
  • Ensure accurate documentation in the Audit Management System (AMS).
  • Qualifications, Experience and Key Competencies

    Required Qualification :

    Chartered Accountant (CA) / Certified Financial Analyst (CFA) (and / or) Masters in Business Administration, Economics, Finance, Banking, etc.

    Required Experience Profile : 8+ years of Experience in Top-Tier Bank Credit Review and Internal Audit Functions / Big 4 Audit Experience / Top Financial Services Consulting Firms, etc.

    Summary of Preferred Key Competencies : High degree of proficiency in :

  • In-depth knowledge and analysis of the Bank’s products, businesses, policies, procedures and the overall regulatory environment. This includes knowledge of leading Business, Credit and Risk Standards issued by Senior Regulators, Basel, etc.
  • Knowledge of Basel III, Capital Adequacy Standards, IFRS 9 Standards, IOSCO Wealth Management Standards etc. ,
  • Key Internal Control Standards issued by Basel, Committee of Sponsoring Organizations (COSO), etc.
  • Keen attention for details, Accuracy and going the extra mile to deliver high value and timely results.
  • Excellent report writing skills, advanced skills in Data Analytics / Power PI, Spreadsheet Sheet Formulas, etc.
  • Collaborative approach, Team-Work, partnering and continuous learning / improvement approach.
  • 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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