Credit Risk Analyst

The Senior Analyst Corporate Credit Risk will take responsibility for analyzing, reviewing, and recommending cases/requests presented from the Corporate Banking Group (CBG) Team, in line with the bank's strategy and Central Bank requirements. Assess, review, and recommend credit proposals for new facilities as well as renewals of existing facilities. Perform proactive ongoing credit monitoring and risk management at both client and portfolio levels in cooperation with the Corporate Risk Approver/Head of Corporate Credit Risk. Assist the Corporate Credit Risk team in managing and analyzing the CBG credit portfolio, including industry and single-obligor/group concentrations. Ensure approvals comply with Central Bank of Egypt regulations and the bank's policies and procedures. Monitor past dues/TODs of the corporate portfolio and timely escape accounts that may move to classified status. Stay updated on market and regulatory issues affecting credit decisions. Identify problem lending situations early and recommend corrective actions to minimize losses and maximize recoveries. Recommend provisions when required. Perform risk assessments, analyze current risks, and identify potential risks affecting the company. Ensure appropriate credit risk ratings are assigned and communicated to the Business Team. Act as secretary to Riskco and other assigned credit committees. Qualifications University graduate. Excellent spoken and written English. 7+ years of experience, primarily in Credit Risk Management. Good knowledge of SME banking, loan documentation, banking operations, accounting, treasury and capital market products, local banking laws, and legal aspects of corporate lending. Strong awareness of the Egyptian market and Central Bank regulations. Thorough understanding of bank policies, credit parameters, and regulations. Knowledge of the country's political and business environment. Comfortable with technology. Good people management skills. Excellent analytical skills and attention to detail. Proactive with a strong team-player mindset and willingness to implement change. Excellent interpersonal, presentation, leadership, communication, and PC skills. #J-18808-Ljbffr