 Review all memos & supporting documents prepared by the team.  Evaluate customer records and recommend facility structure based on customer activity & regarding different economic, financial & industry conditions. Forward the file to the Risk Assessment Department and follow up till obtaining the concerned approvals. Assign credit files to appropriate Senior Analyst / Analyst. Monitor, train and coach team members & assist them in dealing with unusual or unfamiliar… Show more  Review all memos & supporting documents prepared by the team.  Evaluate customer records and recommend facility structure based on customer activity & regarding different economic, financial & industry conditions. Forward the file to the Risk Assessment Department and follow up till obtaining the concerned approvals. Assign credit files to appropriate Senior Analyst / Analyst. Monitor, train and coach team members & assist them in dealing with unusual or unfamiliar cases. Coordinate with the concerned branches in visiting the customers (if needed). Update subordinates on new guidelines, procedures, initiatives, market studies, credit policies, and management decisions Train and help the SMEs staff team in branches network on submitting CPM (if needed). Support staff and branches in submission of Early Warning Indicators to maintain a healthy portfolio with an acceptable quality.  Evaluate the performance of personnel in the Center and recommend training and development requirements, has the duty to keep the staff at the highest level of skill necessary to meet needs and objectives. Ensure the correct adoption of policies and procedures in order to guarantee that the bank business is conducted in compliance with Local Laws, Internal Rules and Regulations, as well as, International Standards. Show less

 Receive and review Credit Proposal Memos (CPMs) from different Business lines (Large corporate, Mid-CAP, SMEs and Project Finance) including (new credit relationship, renewal, overrun, status memos, special pricing, special transactions, restructure memo, postpone memos, authorization to proceed memo.  Review Moody’s financials and rating, in addition to Credit Risk Ratings for clients based on CBE instructions. Ensure clients regularity either with the bank or other financial… Show more  Receive and review Credit Proposal Memos (CPMs) from different Business lines (Large corporate, Mid-CAP, SMEs and Project Finance) including (new credit relationship, renewal, overrun, status memos, special pricing, special transactions, restructure memo, postpone memos, authorization to proceed memo.  Review Moody’s financials and rating, in addition to Credit Risk Ratings for clients based on CBE instructions. Ensure clients regularity either with the bank or other financial institutions through the investigation report.  Ensure the availability of the essential elements in the Credit Applications, such as: Clear Customer’s investigation report, updated financial statements, status of supports & collaterals, business profile with selling and purchasing policies… and mark the relevant checklist accordingly.  Ensure that the proposed CPM adheres to the risk assessment approval terms & conditions is in compliance with the bank’s credit authorities and CBE regulations.  Determine the creditworthiness and evaluate the risks associated with lending of business by analyzing credit data and financial statements of businesses to identify the degree of risk involved in lending money or extending credit.  Communicate with the branches & suggest amendments in the proposed limits, support and security package, ratings regarding clients’ financial stand as well as their position in the market & stability of the industry. Prepare Peer analysis: compares to similar businesses in terms of liquidity, profitability, and credit histories.  Prepare full risk report with risk assessment recommendation including corrective actions if needed to be presented to the credit committees.  Special tasks were assigned to prepare CBE audit reply reports in addition to assisting in the update of the bank internal retail risk policy Show less

Develop new business, follow informal market survey, and enhance cross-sell to credit and non-credit clients to get in line with the branch’s yearly target. Analyze the performance and credit worthiness of Corporate Finance Unit accounts and anticipate opportunities and problems. Coordinate between Corporate Finance Team and other departments in the branch and bank centralized departments to facilitate operations. Present credit requests and proposals to the… Show more Develop new business, follow informal market survey, and enhance cross-sell to credit and non-credit clients to get in line with the branch’s yearly target. Analyze the performance and credit worthiness of Corporate Finance Unit accounts and anticipate opportunities and problems. Coordinate between Corporate Finance Team and other departments in the branch and bank centralized departments to facilitate operations. Present credit requests and proposals to the Corporate Team Leader or Branch Manager or to the concerned Credit Authority if beyond the branch limit. Assign credit files to appropriate Relationship Executives and monitor & train them in dealing with unusual or unfamiliar cases. Administer and monitor branch business calls program, documentary, and review contact reports made by Relationship Executives. Monitor loan repayments, installments, bank securities, insurance policies, and maturity. Take necessary actions to handle past-due accounts and overruns. Maintain awareness of different economic, financial, and industry conditions and assist in the corporate credit unit yearly plans in cooperation with the Branch Manager. Review and maintain branch credit provisions to meet CBE regulations. Show less