JOB PURPOSE
Assessment of the credit worthiness of various corporate banking customers of the bank and develops strong knowledge of the industry and awareness of recent developments along with thorough understanding of the accounts allocated to him/her within the said industry
MAJOR RESPONSIBILITIES AND ACOUNTABILITIES
Carry out comprehensive financial and
nonfinancial analysis as part of a complete credit analysis report on new
credit requests and renewal of existing ones
Prepare the financial model and its
assumptions, crosscheck information provided by client with information
obtained via research/market sources and performing a detailed risk and
mitigates analysis to ensure that all key risks are identified and addressed
Arrange in collaboration with the
officer visits to the company's premises to practically asses the company's
operation cycles, assets, production process, inventory storage procedures to
be able to present a coherent in depth analysis of the account to the approving
body
Prepare the credit application
including purpose of the facilities offered, appraisal of customer's
management, financial statements analysis (Balance sheet, income statement and
cash flow statement spread form), risks and mitigants, clients banking
relationship as well as history of the client & business such as number of
years in the business, line of business, competitors customers, etc
Overview the preparation of
contractual agreements/support documentation with internal legal department,
external lawyers, outside consultants (insurance/engineers)
Monitor all accounts on a daily basis
through issued customer's position/balances
Monitor issuing
daily/monthly/quarterly reports as required from the Corporate Service Analyst
and suggest action if necessary
Prepare daily, monthly, weekly reports
comprising but not limited to CBE reports, Pipeline Report, expected bookings
and Payoffs report, etc
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Minimum Education |
Bachelor Degree in Finance / Accounting / Economics/ Banking or equivalent Credit Course is necessary |
|
Languages |
Fluent English – Fluent Arabic
(Written – Spoken) |
|
Required Experience |
1 – 3 years of relevant work experience within Corporate Banking, with solid experience in corporate banking |