1) Revise the submitted loan applications, and financial spreading, assess, and evaluate the clients’ creditworthiness & give the appropriate recommendation to the assigned credit committee.
2) Conduct accurate detailed reviews of credit applications submitted by the SME business team.
3) Evaluate financial statements, business plans, and market conditions to assess the prospective clients’ creditworthiness.
4) Ensure all credit assessments are thorough, accurate, and comply with internal policies and regulatory requirements.
5) Prepare regular credit risk reports.
6) Adhere to credit policy and guidelines.
7) Draft models of credit historical data to predict trends and patterns.
8) Prepares and assists senior officers and department heads in producing research reports on the economic environment and the dynamics of credit risk forces.
9) Monitor the portfolio’s performance and quality and report it regularly to the senior credit analysts giving the appropriate recommendation.
10)Approve loans within designated authority limits or submit the cases to senior management/Credit manager for approval.
1) Deep knowledge of the credit risk principles and the SMEs regulations2) Very good knowledge with Microsoft office "specially ExceL"3) Very good English4) Analytical Skills5) Power PI knowledge is a good addition6) Certified applicants are preferable