Credit Investigator

Job Purpose:

• Investigating MB existing/prospect clients (Corp./TWC & SBL) to ensure their compliance with CBE and local regulations requirement.
• Provide credit team with an independent written report which contains unbiased study about borrowing clients in order to support credit team while taking credit decision making.

Key Result Areas:

1. Prepare Investigation report for the existing/NTB clients in line with CBE regulations.
2. Prepare Semi -Annual Renewal reports (desk) to each existing client(s) in line with CBE regulations.
3. Conduct site visits to each prospect or client activity places (premises& Factories and warehouses) - mandated by CBE.
4. Fulfilling/Assessing the required documents from Prospect(s) or client(s) according to the nature of the client's business/activity.
5. Collect additional Information about prospect or client through internet search or published newspapers whenever available.
6. Follow up with different business teams their client renewals intervals.
7. Responsible to prepare the unit's database which includes separate folder for each client including relevant database.
8. Extend support to other departments such as; a) print & comment on our bank staff I-Score as per HR request via e-mails; B) print ACP to sales team based on certain hard copy presented form; C) Daily ACP printing requests to business partners; & any ACP print requested from any other department i.e. Remittance – Branches.

Operating Environment, Framework and Boundaries, Working Relationships:

Interaction on daily basis with:

• Prospect and existing clients visits.
• Investigation department units in other banks.
• Corporate /SMEs risk & business teams.
• Credit admin department
• Legal department
• Collection department

Problem Solving:

Determining appropriateness of relaying and receiving proper market intelligence and credit investigations on bank client

Decision Making Authority & Responsibility:

• The jobholder to have risk sensitivity and risk mitigation ability.
• The jobholder may work as coordinator among many departments in the bank before releasing the final investigation report.

Knowledge, Skills and Experience:

• University degree
• 0-2 years of experience
• Very Good communications/Investigations and interpersonal skills.
• Good PC skills.