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Retail Credit Reviewer - Senior Reviewer (3899)

KEY ACCOUNTABILITIES

Description

  • Ensure credit applications are processed within the approved time frame and approved lending parameters while maintaining deviation caps approved by policy.
  • Verify all credit applications related documents are complete and complying with approved policy and CBE regulations
  • Must be able to detect fraud applications & ensure that good quality of credit applications is processed
  • Ensure the standard Operating Procedures for credit underwriting, verification, documentation, delegation is compliant with policy and any exceptions are to be regularly reported to management.
  • Communicate major deficiencies & policy violations to direct manager to take the needed corrective actions to maintain a good healthy retail credit portfolio.
  • Provide the needed support with Recommendations with additions & modifications to credit policy, product manual & Operational procedures.
  • Thrive to maintain good healthy retail credit portfolio through checking various reports such as I-Score reports, CBE Negative list to check credit history and DBR calculations
  • Conducting contact point verification (CPV) with customer, STL/HR checks with employer, residence verification and mobile verification (If required by credit policy)
  • Ensure quality of service to Internal & External customers by adhering to the committed turnaround time.


Policies, processes and procedures:
Follow all relevant approved department’s policies, and procedures and monitor adherence so that work is carried out in a controlled manner.

Day-to-Day Management:
Follow the day-to-day operations related to own jobs in the department to ensure continuity of work

Compliance:
Comply with all relevant CBE regulations, banking laws, AML regulations and internal EG Bank policies and code of conduct to maintain EG Bank’s sound legal position and mitigate any potential risks



5. COMMUNICATION & WORKING RELATIONSHIPS

Internal: Retail Business, Portfolio management, Fraud unit, Legal, compliance,
Collection, HR and internal Audit.
External: External Clients (call verifications)



6. QUALIFICATIONS, EXPERIENCE AND SKILLS

Qualifications and Experience:
  • Bachelor’s degree in Business Administration, Accounting, Economics or a related field.
  • For the Retail Credit Reviewer role 0-3 years of experience of relevant experience
  • For the Retail Credit Senior Reviewer role 3-5 years of relevant experience
  • Experience within the Banking Industry is preferred for the credit reviewer role and is a must for the senior reviewer role.
Skills:
  • Excellent command of English and Arabic languages (written and spoken)
  • Excellent decision making and negotiation skills
  • Excellent communication skills
  • Excellent planning and organizing skills
  • Good Use of Microsoft office tools
  • Good Business Acumen of external market and up-to date market trends and practices

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