Description de l'annonce:

Education and experience:

- Master's or Bachelor’s degree in Finance or Accounting and /or equivalent professional experience;

-  Previous Internships in Finance Departments or Credit &Risk Departments is a plus;

-  A Professional certificate in Financial Accounting, CFA, /FRM or any relevant professional certification is a plus;

-  TOEFL/IELTS languages test proficiency are essential;

- At least 3 years of experience in similar position (working experience on Credit risk assessment and structuring of loans, guarantees, banking products…).

Knowledge:

- Good understanding of financial statements (Balance Sheet, income Statements, Cash flow analysis...);

- Good analytical skills /accounting skills /knowledge in risk analysis;

- Strong understanding of business entity legal structures, risk rating, and financial statement ratio analysis;

- Ability to locate and use relevant industry analysis;

- Excellent computer skills (Excel, Powerpoint, …) and experience with proprietary bank software and Microsoft Office;

- Proficiency in English (essential), French and Arabic.

Personal Attributes and Soft skills:

- Excellent written and verbal communication and interpersonal skills (English is a must);

- Self-motivated, able to work well with a team;

- Great attention to details;

- Ability to work under pressure and to meet deadlines.

  Key responsibilities:

- Acquisition, spreading & analyzing financial statement data and interpreting the repayment capacity of borrowers;

- Evaluating the credit worthiness of potential and existing clients and determined eligibility for financing;

- Ensuring credit analysts effectively perform a thorough analysis of the counterparty as well as the transaction and providing an independent view and recommendation;

- Preparing financing proposal highlighting strengths, key risk factors and mitigation of risk exposure of the proposal;

-  Ensuring active management of credit risk and that all major risks are continually identified, mitigated, monitored and controlled;

- Assessing the quality and completeness of all relevant data and information needed to analyze new and existing transactions;

-  Drafting Credit Notes based on independent credit assessment submitted by the Wholesale Banking Department to local credit committee and Head Office credit committee;

- Preparing credit submission packages, identifying key risks within transactions and relationships, discussing and defending risk related recommendations;

  -   Performing analysis on diverse types of collateral / security proposed;

-  Checking compliance with different approval covenants, conditions and aspects related to guarantee and security in line with the bank policy;

- Detecting the weaknesses of the credit proposal and suggesting the appropriate credit enhancements / Assist lenders in determining the most appropriate loan structure;

  -  Proposing the risk rating of the relationship as per the scoring bank model / system;

-  Liaising and collecting any relevant information from Corporate-FI and Legal departments to ensure comprehensiveness of the credit package;

  -  Contributing with macroeconomic analyses and research on sector/ industry trends;

  -  Insuring loan packages are complete according to bank policy and CBT directives.