BB CREDIT POLICY & PROGRAMS SENIOR OFFICER

Job Purpose:

To initiate, develop and update all the business banking credit policies or any specific product related to the segment in order to ensure asset quality, risk appetite and business plans are effectively maintained.

In addition, to prepare and consolidate any reports required the by internal/external parties and manage the implementation of any agreed upon action plan to remedy comments raised as well as generating all the Board /Board Risk Committee requirements related to the business banking credit policy in terms of producing the necessary analysis, action points and follow-ups.

Job description:

1. Develop a proactive policy management process by using tools embedded in the early warning and watch-listing framework to make policy amendments if required.

2. Evaluate on a regular basis competitiveness of policies within the market and recommend necessary changes to meet business budgets.

3. Monitor thoroughly the newly introduced Business Banking credit policies in terms of effectiveness and credit quality

4. Develop comprehensive action plans to manage adverse trends and red flags detected by the BB Portfolio Management team affecting the portfolio quality and profitability.

5. Identify required data and work with BB Portfolio Team Heads to understand data source, ensure data quality and retrieve data on a timely basis to ensure quality of Policy Decisions.

6. Assist in analysing segments and trends through collaborating with the business and all relevant stakeholders to be able to propose corrective policy changes and to highlight possible opportunities.

7. Proceed with the execution of any requirements received by the different Risk Committees (BB Risk Committee and the Board Risk Committee) including policy changes, adverse trends & action points and communicate it to the team in order to be presented to the committee members in a timely manner.

8. Collaborate and request feedback from the Fraud Management team on all fraudulent incidents to amend all policies accordingly in order to mitigate any future possible fraud risks

Policies, Processes and Procedures

9.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 operations

Follow the day-to-day operations related to own jobs in the BB Credit Policy to ensure continuity of work

Compliance

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 & Experience

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

• For Officer: Min. 6 years of experience in Corporate/BB Banking or Corporate/BB Risk or relevant experience.
• For Senior Officer: Min. 8 years of experience in Corporate/BB Banking or Corporate/BB Risk or relevant experience.

Skills

• Solid credit policy experience having policy experience with different products or relevant experience
• Have sound knowledge of the Egyptian market in terms of risks associated with the bb Banking products
• Excellent command of English language beside Arabic

Self-motivated, team player, excellent soft skills, quantitative and qualitative analysis and decision-making skills, etc.