BB Credit Investigator / Senior Investigator

Description

Job Purpose

Conduct customer field visits, customer’s buyers and suppliers to come up with comprehensive credit information report, including reputation key shareholders and the company and its products, the perception of how the market thinks the company is doing compared to the competition.

Description

Credit Investigation:

Prior to Credit Approval:

1. Conduct comprehensive desktop checks & Market research on customers applying for credit facilities including Reputation of Key shareholders, company in the market, its products, and the perception of how the market thinks the company is doing compared to the competition.

2. Conduct Customer visits to check customer premises and business such as their inventories.

3. Perform Buyer and Supplier comprehensive desktop checking, and physical visits on first transaction with Buyer or Supplier above certain thresholds to ensure the assessment is their compliance the bank’s risk appetite and minimize losses..

4. Prepare related reports on desktop, market and site visits in order to create an accurate basis for the lending decisions.

Ongoing

5. Conduct periodical visits for existing borrowing customers to verify their payment ability

6. Conduct periodical visits for Each Buyer/Supplier based on certain criteria.

7. Field investigation of potentially fraudulent transactions referred by the Fraud team.

Policies, Processes and Procedures

8. Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner

Day-to-day management

9. Follow the day-to-day operations related to own job to ensure continuity of work

Compliance

10. Comply with all relevant CBE regulations, banking laws, AML regulations and internal CIB policies and code of conduct in order to maintain CIB’s sound legal position and mitigate any potential risks

Qualifications

Qualifications & Experience

o Bachelor’s degree of commerce, Business Administration, accounting or equivalent.

o Minimum 3-5 years investigation in SME/Corp in CIB or another institution for Senior Officer

Skills

o Analytical skills.

o Good market contacts and network in other banks. financial institutions and geographies

o Inquisitive nature, maturity and good communication skills

o Process driven and disciplined

o Very good command of English.

o Good Computer skills.

Primary Location: Egypt-Cairo-MERRYLAND

Job: Back Office

Organization: RISK

Shift: Day Job

Job Type: Full-time Employee