-Assess all types of risk (related to the obligor and the facilities / transactions) in the financing requests present by the Business line -Ensure that the proposed facilities / transactions are in accordance with credit policy & CBE Directives -Ensure that risk indicators / parameters (rating, account conduct, RAROC....etc) are properly & objectively determined / assigned to each counter party. -Collect global market / economic information required for proper assessment of counterparties within the assigned portfolio of business sectors. -Train & coach the risk analysts within risk divisions. -Follow up with business units to complete missing information required for the decision-making process. -Assess credit risk for Small & medium corporate customers.

• Analyze SME credit Memos by reviewing financial and cash flow analysis and financial capacity, business profile,industry position, industry concentration, repayment capability, collateral adequacy, Account conduct in addition to the projections for long term loans.• Evaluate credit applications/ borrower ratings and make recommendations to management.• Ensure credit facilities have been properly structured, pricing and collateral is adequate and there is no any violation of internal or external regulations / policies.• Prepare Credit Risk recommendation with appropriate recommendations for approval, rejection or amendments based on credit analysis.• Credit assessment on new credit proposals and review existing accounts - the creditworthiness of counter parties and managing credit risks.• Review credit analyses, ORR and evaluate proposed limits which are to be discussed in the Risk Committee.• Conduct credit review to existing and prospect portfolio to ensure quality of credit package that includes but is not limited to analyzing clients' market position, business model, financial statements and key risks and mitigates.• Communicate with SME Business team to discuss cases and coordinate with them.• Permeant updates over the market news and governmental regulations.• Build professional relationship with work partners; Investigation, Enterprise Risk Management, Portfolio Management, Credit Admin, Documentation and Business teams.• Pass the daily transactions in respect of the credit approval, CBE regulations and BDC policy.

• Running some campaigns based on the customer behavior to increase the ENR of credit cards Portfolio and active cards.• Follow up Activation and Retention, Sales Performance, spends, acquisitions, ENR, planed revenues compared them with budget.• Carry out all reports about active& inactive cards, Balance Building of ENR, revolvers & transactors customer• Extracting the required data from Data base needed for segments and portfolio analysis.• Daily /monthly/quarterly/semiannual/annual reports required by business cards team and CBE.• Follow up on the running campaigns and ad-hoc tasks achievements.• Generating daily MIS reports that tracking acquisitions and portfolio performance.• Carry out all performance reports related to cards portfolio.• Create, modify and store and retrieve data to produce a variety of reports.• Generating monthly Credit, Debit and Prepaid Cards Dashboard For presentation.