Small Business Credit Reviewer

7 months ago


مصر, Egypt EGBank Full time

Description

To be responsible for Risk function related to Small Business underwriting.
Reviewing the presented credit proposals for new facilities as well as the renewal of the existing
Responsible for evaluating the credit worthiness of potential borrowers via the underwriting of borrower financial statements, collateral coverage, and guarantor support
Analysis sources of financial information, such as financial statements, credit bureau reports and cash flows to determine potential risk and profitability of loan.
Preparation of written Credit Proposals combining financials analysis with sectorial information to support Credit Committee Decisions regarding the client’s risk of default, credit rating and adequacy of the proposed financing.
conduct an in-depth financial analysis of public and private financial data, market trends, and microeconomic conditions to provide management with highest quality risk assessments, credit research, and comprehensive analyses that guarantees risk adequate pricing at all times.

7. QUALIFICATIONS, EXPERIENCE AND SKILLS

**Qualifications and Experience**:
Bachelor’s degree in Business Administration, or a related field.

Minimum 2-5 years’ experience in underwriting Management environment.

Experience within Banking Industry will be considered as an asset

**Skills**:
Excellent command of English and Arabic languages (written and spoken)

Excellent leadership, decision making and negotiation skills

Excellent communication skills

Excellent planning and organizing skills

Excellent Business Acumen of external market and up-to date market trends and practices.

TECHNICAL COMPETENCIES

Demonstrated leadership skills and professionalism.

In-depth knowledge of the banking industry in general and commercial banking in particular.

Excellent verbal and written communication skills with internal/external constituents.

Demonstrated analytical, decision making, problem solving, and critical/strategic skills.

Familiarity with credit policies, business and contract law, and regulations relating to commercial lending.

Personal confidence.

Demonstrated ability to negotiate on behalf of the Bank while appropriately balancing risk and shareholder value.

Ability to work in a team environment and demonstrate flexibility as business dictates.

Ability and willingness to investigate resolve and recommend process improvement opportunities.



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