الرئيسية / الوظائف / 53562 مشاهدة27 سبتمبر 2020


SME’s Credit Senior Officer , attijariwafa bank - STJEGYPT



SME’s Credit Senior Officer , attijariwafa bank - STJEGYPT

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Work Type : Full Time
Experience : 0-3 Years




Gender : male and female
Salary: Not mentioned
Salary Type : Net Salary
Location: Cairo , EG
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 customers 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.
Main accountabilities and approximate time split
Accountability:
Credit Risk Management


Time Split: 65-75%  Assess customers business through the analysis of Business and Credit risks associated with the provision of the Banks 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.
Accountability:
Business Risk Partnership


Time Split: 20-25%  Work in partnership with Relationship Managers on new and existing credit applications, providing guidance on credit appetite.
 Deliver service in line with agreed business needs.
 Work in partnership with colleagues and proactively anticipate, respond to and seek to exceed the expectations of customers.
 Attend customer meetings with the Relationship Manager if credit related issues are to be discussed/need to be resolved.
 Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reductions.
 Support and contribute to specific industry focus as determined by the Corporate and Credit teams.
Accountability: Team Working
Time Split: 10-15%  Develop and maintain a close working relationship with Relationship Managers and Credit Managers.
 Support Relationship Managers in identifying training & development needs of Corporate managers & Assistants and undertake coaching as appropriate.
 Coach and develop new joiners & junior team members to ensure that aspired performance level is achieved.
Support the BB & SME Credit Head in delivering effective performance development for individuals within the team.


Technical skills / Competencies
Competencies:
• 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.
Knowledge, Expertise and Experience
Knowledge, Qualifications/ Experience:
Knowledge
• 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.
Experience
Experience in a relevant job role for a minimum period of 2 years.

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