Job Description
We are seeking an experienced Credit Risk Assistant Manager to join our Corporate Credit Risk team in Egypt. The successful candidate will play a key role in evaluating and monitoring corporate credit exposures, reviewing credit proposals, supporting portfolio risk management, and ensuring compliance with internal policies and regulatory requirements. The role requires strong analytical capabilities, sound credit judgment, and a proactive approach to managing risk while supporting business growth objectives.
Key Responsibilities
- Review and assess corporate credit proposals for new facilities, amendments, and renewals, providing independent risk recommendations.
- Assist in managing and monitoring the corporate banking portfolio, including exposure quality, past-due accounts, and expired credit facilities.
- Support the implementation and enhancement of corporate credit risk policies, procedures, and frameworks in line with the bank's strategy and regulatory requirements.
- Conduct comprehensive financial analysis of corporate clients and ensure accurate risk ratings are assigned.
- Monitor market trends, economic developments, and regulatory changes that may impact credit risk decisions and portfolio performance.
- Identify potential problem accounts and recommend corrective actions to minimize losses and maximize recoveries.
- Participate in credit risk reviews and provide balanced risk-reward assessments that support sustainable business growth.
- Prepare independent credit risk summaries and risk opinions for management and approval committees.
- Maintain accurate corporate credit risk databases and support the preparation of risk reports and portfolio analytics.
- Build effective working relationships with business units, credit teams, and other stakeholders to ensure efficient credit decision-making and risk management.
Experience & Qualifications
- Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field.
- Professional credit certification or completion of a recognized Credit Risk course is mandatory.
- Minimum 8 years of banking experience, including at least 5 years in Credit Risk Management or a related risk function.
- Strong knowledge of corporate banking, SME lending, loan documentation, banking operations, accounting principles, and credit analysis.
- Thorough understanding of Egyptian banking regulations, Central Bank requirements, and corporate lending practices.
- Excellent analytical, communication, presentation, stakeholder management, and problem-solving skills, with strong proficiency in English and financial analysis tools.
