Job Description
Banque du Caire - BDC is currently recruiting for the role of SMEs Credit Risk Team Leader
Duties and Responsibilities
Your main responsibilities in this role include the following:
Set Clear goals for the team and team members aligned with BdC strategy
Motivate, drive and execute performance of the team guaranteeing the achievement of the goals
Plan and prioritize the workload of the team to deliver tasks against agreed deadline
Communicate with SME Business team to discuss cases and coordinate with them
Build professional relationship with work partners; Investigation, Enterprise Risk Management, Portfolio Management, Credit Admin, Documentation and Business teams
Verify the accuracy of the on hand documents and financial figures double-checking in addition to the auditor credentials
Identify the purpose of the proposed loan and the eligibility to the CBE initiatives
Review on financial statements spread over the Moody’s system
Financial analysis to cover the profitability trends, liquidity, solvency and cash flow analysis in addition to the projections for long term loans.
Analyze proposed credit applications against industry concentration and purpose of finance after calculating the financial need
Permeant updates over the market news and governmental regulations
Pass the daily transactions in respect of the credit approval, CBE regulations and BdC policy
Determine the different risks and ensure that they are all covered, mitigated and controlled
Assess the quality of the collateral offered
Review the recommendations over the facilities applications
Define all the requested exceptions in terms of pricing or commissions and the proper credit risk committee depending on the amount of the requested facility and rating
Respect the set turnaround time for each credit application along with accurate credit recommendation.
Follow up over the expired cases, turnover conditions, breached covenants, expired documents, past dues, shortfalls and deviations
Any other duties as assigned to the Job holder within your capability
Job Requirements
Maximum 10 years of experience including Minimum 5 year experience in a Bank in Credit Risk Assessment with proven track record of leading a team to achieve outstanding results
Excellent communication and leadership skills, ability to influence external and internal stakeholders
Analytical skills: Capable of balance sheet, P&L & Trend analysis
Credit Course is a Must from a reputable institute
Ability to Write/Review recommendations in Arabic language
Graduated with minimum grade Good
