Business Banking Credit Analyst.Egypt- SMEs.Retail Banking

Job Description

• Responsible for preparation of full credit proposals for existing and new to bank customers, covering the assessment of financial performance, business risk based on operating model, industry analysis, management experience & capabilities as well as credit structure and collaterals.
  
  

Responsibilities

• Responsible for preparation of full credit proposals for existing and new to bank customers, covering the assessment of financial performance, business risk based on operating model, industry analysis, management experience & capabilities as well as credit structure and collaterals.
• Dealing with all aspects of clients’ renewal applications and working on credit related projects including (but not limited to): sector analysis, client portfolios and others as required.
• Take personal responsibility for delivery of exceptional customer experience in terms of day to day operational support and credit management activities.
• Ensure timely resolution of any operational aspects of the assigned portfolio that may require amendment or exceptions to existing credit facilities.
• Operating within the Bank’s risk and operational guidelines, ensuring consistent execution of controls for effective risk management from a legal, compliance, operational and reputational perspectives.
• Follow-up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of various credit related issues.
• Liaise with superiors within the business line, Risk Management and related enabler units within the bank to achieve business objectives.
• Adhere to all the compliance & regulatory policies with regards to KYC/ AML etc as set out by the bank from time to time.
• To achieve assigned financial and non-financial objectives by meeting all borrowing & non borrowing needs of customers within target segments.
• Responsible for quality & soundness of assigned portfolio (KYC reviews, monitor all transactions reports for due diligence, follow anti-money laundering procedures …etc.).
  
  

Qualifications

• Banking sales & service experience with proven relationship management qualities.
• 1 year in relevant experience.
• Fresh graduates could be accepted on selective basis.
• Positive attitude, strong work ethics, good team player, excellent communication and negotiation skills.
  
  

About Us

The leading financial institution in MENA

While more than half a century old, we proudly think like a challenger, startup, and innovator

in banking and finance, powered by a diverse and dynamic team who put customers first.

Together, we pioneer key innovations and developments in banking and financial services.

Our mandate? To help customers find their way to Rise Every Day, partnering with them through

the highs and lows to help them reach their goals and unlock their unique vision of success.

Delivering superior service to clients by leading with innovation, treating colleagues with dignity and fairness while pursuing opportunities that grow shareholders value.

We actively contribute to the community through responsible banking in our mission to inspire more people to Rise.