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Job Description
- Credit underwriters review and evaluate credit applications submitted by LO/Sales representatives to identify potential risks of the borrower
- Conduct a detailed study of financial statements (balance sheet, profit & loss) and other business documents to verify the creditworthiness of the customer
- Generate and analyze all necessary reports (I-score, Fawry Score, turnover with FAWRY) to check the customer`s credit history and business performance
- Verify the information from application form by phone call to the potential customer or via field visits to the customer’s business premises
- Ensure compliance with credit risk policies, standards, procedures and other internal regulations in lending operations and decisions taken
- Prepare credit risk classifications and credit risk opinion in relation to the requested credit exposures
- Decide on the credit exposure within his / her level of competence
- Present the case and the identified risks to the credit committee members, if his / her authorization level is insufficient for an independent decision
- Assist loan officers and sales representatives to verify the accuracy of information received and calculations made during the financial analysis
- Prepare performance reports related to applications approval / rejection rates, reasons for rejection, processing time of application, etc.
- Evaluate the performance of loan officers and sales representatives in their ability to conduct proper financial analysis of potential borrowers
- Identify and report suspicious transactions and decisions to management
- Guarantee the confidentiality of processed information, both clients and institution
Job Requirements
- University degree of economics / accounting / banking / finance
- Good spoken level of English (minimum Intermediate level)
- Experience in financing / credit underwriting (2 years +)
- Strong analytical and logical skills
- Good communication and presentations skills
- Attentiveness to details
- Ability to make independent decisions
- Flexibility to travel on short assignments
- Proficiency in using MS Office products (Word, Excel, PowerPoint)
