Job Description
Attijariwafa Bank Egypt is looking for a Business Banking & SME Credit Manager
Job Purpose
A member of the BB & SME Credit team, and will be the credit expert to nominated Relationship Managers working with a defined portfolio of high value , complex & sophisticated customer connections, acting as the conduit to Credit for sanctioning purposes.
Develop practical and appropriate credit solutions (i.e. Lending structures) through understanding customer’s needs
Prepare & deliver high quality and consistent credit applications, making lending recommendations to the sanctioning authority.
Monitor and control nominated accounts within designated portfolios.
Maintain data integrity of all approved credit facilities and periodically update financial information.
Ensure that turnaround time is maintained at satisfactory level and that service quality is extended to business partners and end customers at all times.
Duties and Responsibilities
Your main responsibilities in this role include the following:
Assess customers business through the analysis of Business and Credit risks associated with the provision of the Bank’s products and services to the customer.
Develop high quality credit solutions with the view of obtaining fast credit approval from Credit teams
Be the joint contact for credit management purposes for accountants, solicitors and other professionals
Preparation of credit packages with paper attachments for recommendations to the Sanctioning authority.
Responsible for managing financial information produced by customers.
Monitor and Control quality of portfolio using triggers stipulated in credit approvals (where applicable) in line with policies and internal guidelines.
Discussing with Sanctioner trigger events if they give cause for concern, advising the Relationship Manager simultaneously and propose appropriate strategies.
Job Requirements
Strong Credit analysis & assessment skills acquired through training and credit courses attended by candidate, as well as sound experience in credit, in a similar role.
Strong awareness of legislation affecting the bank and customers.
Solid knowledge of credit policies and regulations.
Advanced secretarial qualifications is Preferred
Scheduler, electronic diary is Preferred
Strong analytical and technical skills
Solid awareness of CCRS, core banking system and IT skills
Strong Interpersonal skills, enabling the candidate to deal business partners, stakeholders & customers.
Strong Communications skills, demonstrated both verbally (active participation in meetings) and in writing (preparing credit packages, reports and memos/emails)
Presentation skills
Negotiation skills
Awareness of regulatory issues.
