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Job Description
- Responsible for the reviewing of Credit Proposal Memo with all their required contents implying credit analysis, macro and microanalysis with the assessment of the associated risks, review proposed obligor risk rating, review CBE reports, investigation reports, and all other related contracts and prepare the related Risk Memo including a recommendation for mitigation of Risk.
- Responsible for checking that Credit Proposal Memo abides by A.T.LEASE strategy and credit policy and the credit package is directed to the proper lending authority for approval.
- Review and monitor existing credit relationship to ensure that the customer is not falling behind the rent schedule and reviews of lease portfolio on annual basis.
- Recommend a strategy for the existing accounts and recommend settlement proposals and specific provisions in case of irregular clients.
- Preparation of Risk Management reports on a regular basis.
- As a member of the Remedial Department, establish improved communication with the remedial clients in order to create an environment conducive to a mutually agreeable settlement and/or re-floatation plan being achieved.
- Prepare Remedial Proposal Memos showing the proposed facility recommendation and the associated terms and conditions to the relevant committee.
- Coordinate with the legal advisor in case of any legal action to be taken against any of the defaulted lessees.
- Participate in enhancing internal control by reviewing the advising form prepared by the Credit Administration Department in order to ensure that the advising forms are in compliance with the credit committee terms and conditions
- Obtaining all required data and information needed from all AT-Lease departments for the purpose of preparing reports that shows the major risks that the company may face. All reports and recommendations should be submitted to authorities.
- Follow up with all departments in all issues that may increase risk and affect the company for example:
- Delay Rentals, un-renewed insurance Policies, unregistered contracts, unregistered assets, unmet terms & conditions. Un-utilized facilities, & Liquidity Positions. (etc…)
- Assist in developing and refining A.T. LEASE Credit Risk Strategy & Remedial Policy.
- Issuing monthly ACP & I-Score reports
- Implementation of remedial policy on non-performing clients.
- Assist in the review and update of TRR system in light of best practices.
- Assists in achieving A.T.LEASE Risk Management Division annual objectives regarding its Scope.
- Apply A.T.LEASE Anti Money Laundry Policy.
- On the job training for senior credit analyst and/or credit analyst.
Job Requirements
- Bachelor degree in Commerce or Business Administration.
- Minimum of 5 years experience in the credit analysis field.
- Awareness of the business environment
- Good computer skills.
- Excellent command of both English and Arabic Languages.
- Core Credit
