data analyst

financial analyst

accountant ii

analyst

associate accountant

credit analyst

Magnet

<div>
 
 
 Employer Overview
 
 
 
 A leading governmental financial institution operating within the corporate and business banking sector, providing a comprehensive range of financial solutions to corporate clients. The organization emphasizes strong client relationships, risk management excellence, and continuous professional development.
 
 
 
 
 
 
 Job Summary
 
 
 
 The role supports Relationship Managers in managing corporate client portfolios through credit analysis, account planning, and ongoing client reviews. The position plays a key role in ensuring efficient execution of transactions, accurate financial analysis, and coordinated service delivery across internal stakeholders.
 
 
 
 
 
 
 Key Responsibilities
 
 
 <ul>
 <li>
 Support Relationship Managers in preparing and completing credit memos, including drafting the main body and performing financial analysis.
 </li>
 <li>
 Collect, analyze, and validate financial data, coordinating with relevant departments as required.
 </li>
 <li>
 Assist in the preparation and execution of client account plans in collaboration with product factories.
 </li>
 <li>
 Conduct ad-hoc financial and profitability analysis for portfolio monitoring and management requests.
 </li>
 <li>
 Support the launch and completion of annual client reviews, identifying potential areas for improvement.
 </li>
 <li>
 Coordinate with credit support services, operations, and other internal teams to ensure timely execution of transactions and administrative activities.
 </li>
 <li>
 Manage administrative processes such as account opening and closing, amendments, transfers, KYC documentation, and regular payment coordination.
 </li>
 <li>
 Participate in selected client interactions under the guidance of Relationship Managers.
 </li>
 <li>
 Continuously develop technical knowledge and skills to support career growth within the corporate banking division.
 </li>
 </ul>
 
 
 
 
 
 Minimum Requirements
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Business Administration, Finance, Economics, or a relevant field.
 </li>
 <li>
 0 to 4 years of relevant experience in corporate banking, credit analysis, or a related financial services role.
 </li>
 <li>
 Strong problem-solving and analytical thinking skills.
 </li>
 <li>
 High attention to detail and accuracy.
 </li>
 <li>
 Ability to understand and respond to specific client needs.
 </li>
 <li>
 Effective communication and coordination skills.
 </li>
 <li>
 Strong organizational and time management abilities.
 </li>
 <li>
 Knowledge of business and corporate banking products, including lending, cash management, FX, treasury, and investment banking.
 </li>
 <li>
 Understanding of credit risk policies and facility structuring.
 </li>
 <li>
 Ability to perform financial analysis and interpret financial statements.
 </li>
 <li>
 General understanding of economic, political, and business environments within the region.
 </li>
 <li>
 Proficiency in Microsoft Office applications, particularly Excel and PowerPoint.
 </li>
 <li>
 Ability to work efficiently with internal banking systems and financial analysis tools.
 </li>
 <li>
 Fluent in both written and spoken in English.
 </li>
 <li>
 Ability to work collaboratively across multiple internal departments.
 </li>
 <li>
 Capacity to manage multiple tasks and meet deadlines in a fast-paced environment.
 </li>
 <li>
 Willingness to learn and grow within the corporate banking division.
 </li>
 <li>
 Credit-related certification is preferred.
 </li>
 </ul>
</div>

Credit Analyst (Cairo)

Abu Dhabi Islamic Bank - Egypt

<div>
 
 1.JOB PURPOSE:
 
 
 Assess the creditworthiness of the potential/ existing borrowing SME &amp; BB names. Analysing financial information and market date and based on this information conduct a recommendation to the senior risk managers. Recommending facility structure the best suits the borrowing names and serve ADIBE rights. Communicating with different stakeholders at ADIBE and gather the non-financial date to predict patterns and trends. Assist the Underwriting team leader/Senior Underwriting team leader in managing and overseas the Sizable SME &amp; BB portfolio.
 
 
 2.KEY ACCOUNTABILITIES:
 
 <ul>
 <li>
 Ensure compliance with credit application SME's credit program, policies, target market risk acceptance criteria, and customer selection criteria.
 </li>
 <li>
 Analysing financial information, such as statements, management accounts, and cash flow statements. &ldquo;Generate financial ratios, using computer programs, to evaluate customers' financial status.&rdquo;
 </li>
 <li>
 Conducting credit applications, including the credit analysis and credit due diligence for all the credit files and credit limits reviews for existing borrowing names.
 </li>
 <li>
 Making recommendation to the Senior Underwriting managers on cases understudy, annual reviews, and daily transactions.
 </li>
 <li>
 Conduct periodic site visits to existing and prospective clients to assess their business activity, financial performance, and creditworthiness.
 </li>
 <li>
 Comparing liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries.
 </li>
 <li>
 Developing models of credit information to predict patterns and trends.
 </li>
 <li>
 Monitoring Credit portfolios to ensure timely repayment and identify potential risks.
 </li>
 <li>
 Staying up-to-date on market and industry trends that could impact credit risk.
 </li>
 <li>
 Collaborating with other risk unit departments, such as EW, Fraud, Credit administration, credit admin to ensure credit healthiness of the borrowing names.
 </li>
 <li>
 Communicating with SMEs/ BB relationship managers to gather and understanding the borrowing clients&rsquo; information.
 </li>
 </ul>
 
 3.QUALIFICATIONS:
 
 
 Minimum Qualifications
 
 <ul>
 <li>
 Education
 </li>
 </ul>
 
 Post-graduate degree, preferably in finance, business administration, management, economics, or a similar field.
 
 
 Credit Course is required.
 
 <ul>
 <li>
 Experience
 </li>
 </ul>
 
 Senior SME Credit Analyst: 3-5 years of relevant banking experience, preferably with Advanced credit course.
 
 
 SME Credit Analyst: 1-3 years of relevant banking experience, preferably in areas such as investment or commercial banking.
 
 <ul>
 <li>
 Additional Knowledge:
 </li>
 </ul>
 
 Strong analytical, finance, financial modelling, credit, and transaction structuring skills is an advantage.
 
 
 Ability to assess the viability of borrowing clients and embedded risks.
 
 
 Good knowledge of credit approval processes &ndash; origination to disbursement.
 
 
 Excellent critical thinking, analytical and presentation skills, and ability to work with or supervise the use of data utilizing standard office software Excel, Word, PowerPoint.
 
 
 Good writing skills.
 
 
 Independent judgement.
 
 
 Ability to contemplate risk &amp; returns.
 
 
 Work under pressure / Problem Solving.
 
 
 Highly trustworthy.
 
 
 Handle multiple tasks simultaneously.
 
 
 Planning and Control
 
 
 Self-motivation &amp; Team Working
 
 
 Excellent written and oral communication skills in English is required
 
</div>

SME's Credit Risk Analyst /SME Senior Credit Risk Analyst

Hanini Consulting

<div>
 
 
 We are seeking a highly skilled Financial Analyst with a strong background in financial analysis and loan underwriting to join our team in Cairo. The ideal candidate will support underwriting of complex commercial real estate and small business loans, with a focus on transit-oriented development financing across acquisition, predevelopment, and construction stages. This role will also drive business development initiatives for the organization&rsquo;s small business loan fund by identifying and cultivating potential borrowers.
 
 
 
 
 The Financial Analyst will prepare investment recommendations to support senior management decision-making and ensure compliance with all loan documentation and regulatory requirements. Prior experience in loan underwriting and extensive knowledge of commercial loan documentation are essential for success in this role.
 
 
 
 
 
 
 
 Responsibilities
 
 
 
 
 
 <ul>
 <li>
 
 Evaluate, underwrite, and recommend decisions on new loans, renewals, and modifications while ensuring credit quality and soundness.
 
 </li>
 <li>
 
 Analyze and interpret financial statements, tax returns, rent rolls, leases, and other borrower documentation in a clear and concise manner.
 
 </li>
 <li>
 
 Present loan requests to the Loan Committee in a formal credit presentation, including property-level and global cash flow analyses, sources and uses of funds, collateral evaluation, loan structuring, pricing, market analysis, and recommended covenants.
 
 </li>
 <li>
 
 Assign appropriate risk ratings based on borrower financial performance.
 
 </li>
 <li>
 
 Manage the loan approval process with Committees to ensure compliance with internal credit policies, applicable Egyptian regulations, and accuracy of documentation.
 
 </li>
 <li>
 
 Collaborate with the Executive Director, CFO, supporting staff, and clients to negotiate and finalize loan structures and terms.
 
 </li>
 <li>
 
 Ensure full compliance with relevant financial and regulatory requirements under Egyptian laws and international lending standards.
 
 </li>
 <li>
 
 Oversee post-loan closing activities, ensuring all conditions precedent to closing are accurate and complete.
 
 </li>
 <li>
 
 Identify potential risks and early warning signs in client portfolios, industries, and market conditions.
 
 </li>
 <li>
 
 Maintain ongoing communication with clients and internal stakeholders throughout the loan life cycle.
 
 </li>
 <li>
 
 Monitor compliance with all loan covenants and ensure proper documentation for credit reviews, audits, and compliance checks.
 
 </li>
 <li>
 
 Safeguard the quality, integrity, and accuracy of financial analysis, underwriting, and credit approval processes.
 
 </li>
 </ul>
 
 
 
 
 
 Skills
 
 
 
 
 
 <ul>
 <li>
 
 Strong analytical ability with experience in financial data analysis and performance evaluation.
 
 </li>
 <li>
 
 Skilled in preparing financial reports, projections, and investment appraisals.
 
 </li>
 <li>
 
 Ability to evaluate capital expenditures, depreciation, and overall financial feasibility.
 
 </li>
 <li>
 
 Strong knowledge of investment opportunities, market research, and valuation techniques.
 
 </li>
 <li>
 
 Familiarity with waterfall analysis, data mining, and business intelligence tools.
 
 </li>
 </ul>
 
 
 
 
 
 Requirements
 
 
 
 
 
 <ul>
 <li>
 
 Bachelor&rsquo;s degree in Finance or a related field.
 
 </li>
 <li>
 
 Chartered Financial Analyst (CFA) or equivalent certification is preferred, but not required.
 
 </li>
 </ul>
 
 
 
</div>

Financial Analyst

<div>
 
 
 Employer Overview
 
 
 
 A leading financial institution offering a wide range of banking and investment solutions. Committed to delivering innovative client-centric services while maintaining robust risk and compliance standards.
 
 
 
 
 
 
 Job Summary
 
 
 
 Responsible for managing client relationships, driving business growth, and overseeing credit and account management processes. The role ensures profitability, cross-selling, and delivery of bespoke financial solutions for a portfolio of clients.
 
 
 
 
 
 
 Key Responsibilities
 
 
 <ul>
 <li>
 Monitor client profitability, share of wallet, and cross-selling opportunities alongside Portfolio Managers (PMs).
 </li>
 <li>
 Complete credit memos and participate in credit committee discussions.
 </li>
 <li>
 Prepare account plans and actively contribute to round table discussions.
 </li>
 <li>
 Collaborate with Team Heads and PMs to structure customized client solutions.
 </li>
 <li>
 Conduct annual client reviews and identify areas for improvement.
 </li>
 <li>
 Guide and mentor analysts in day-to-day operational tasks, including credit memos and account plans.
 </li>
 <li>
 Manage client relationships for an allocated portfolio in coordination with the Team Leader.
 </li>
 <li>
 Oversee the end-to-end sales cycle, from pitching to contract negotiations, in collaboration with PMs.
 </li>
 <li>
 Identify new business opportunities, focusing on designated sectors to drive client acquisition.
 </li>
 <li>
 Maintain a deep understanding of client needs and provide tailored financial solutions.
 </li>
 </ul>
 
 
 
 
 
 Minimum Requirements
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Business or a relevant field.
 </li>
 <li>
 4 to 6 years of relevant experience in banking, finance, or related roles.
 </li>
 <li>
 Strong problem-solving and analytical abilities.
 </li>
 <li>
 Excellent attention to detail and ability to understand specific client needs.
 </li>
 <li>
 Effective mentoring and team collaboration skills.
 </li>
 <li>
 Knowledge of banking products including lending, cash management, FX, treasury, and investment banking.
 </li>
 <li>
 Understanding of credit risk policies and structuring of facilities.
 </li>
 <li>
 Awareness of economic, political, and business environments in the region.
 </li>
 <li>
 Proficient in relevant banking and office software tools.
 </li>
 <li>
 Fluent in written and spoken Arabic and English.
 </li>
 <li>
 Credit certification preferred.
 </li>
 <li>
 Ability to manage client portfolios and drive business growth.
 </li>
 <li>
 Capability to work collaboratively with PMs and analysts.
 </li>
 <li>
 Competence in handling complex client transactions and end-to-end sales processes.
 </li>
 </ul>
</div>

Relationship Manager (Cairo)

NBK Egypt

<div>
 
 
 Job Purpose:
 
 
 
 
 
 
 Build, develop and manage a diversified customer base aiming to offer NBK products and services with key focus on the growth of lending portfolio within approved credit policy framework to achieve business targets and contribute positively in meeting division goals in terms of all planned performance dimensions (business growth, profitability, etc.)
 
 
 
 
 
 
 Key Responsibilities &amp; Accountabilities:
 
 
 
 
 
 <ul>
 <li>
 Drive and deliver exceptional leads generation and sales chances activities to acquire new to the bank customers and promote cross selling to existing relations.
 </li>
 <li>
 Search for new business opportunities to grow bank market share and profitability.
 </li>
 <li>
 Introduce new well reputed borrowing prospects in line with the Bank&rsquo;s development strategy and risk appetite.
 </li>
 <li>
 Identify the financing requirements of the borrower and purpose the appropriate credit structure to cover their needs.
 </li>
 <li>
 Meet individually assigned target in all defined business fields.
 </li>
 <li>
 Ensure credit application for new and existing customers in a comprehensive manner and in line with approved credit policy and operating manuals, procedures and business circulations issued and circulated with full responsibility of completeness, accuracy of gathered information in a timely manner and within required business deadlines
 </li>
 <li>
 Overlooks and coordinates the process of fulfilling customer requests in a timely manner focusing on enhancing customer experience through the development of own internal network of relevant stakeholders (branches network, operations, risk,
 </li>
 <li>
 Build deeper engagement for exiting relationships through regular sites visits, quarterly call reports, and corporate events
 </li>
 <li>
 Receive, handle, and resolve the customer complains in a timely manner to maintain and increase customer satisfaction
 </li>
 <li>
 Ensure smooth and continuous flow of customer information with respect to requests, business updates, key changes, warning signals and other customer relevant information to members within own team (ARM/SCA/CA)
 </li>
 <li>
 Transfer knowledge and provide on job coaching to younger team members
 </li>
 <li>
 Participate effectively in projects and tasks assigned by the Team Leader and Regional head
 </li>
 <li>
 Act as the first line of defense point in relations with customer and ensure Alerting the management on any deterioration / potential deterioration of the credit risk, resulting from late payment, or receiving negative market information, also recommend and implement the corrective action to safeguard the Bank&rsquo;s right and avoid any loss
 </li>
 <li>
 Ensure the credibility of the collected legal documents and capacity of signatory on the borrowing documents
 </li>
 <li>
 Ensure business/activity reports are submitted on due time.
 </li>
 <li>
 Ensure proper business database and follow up lists are properly in place
 </li>
 <li>
 Ensure adhering to all policies and related updates (credit policy, compliance policy, etc.).
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; Experience:
 
 
 
 
 
 <ul>
 <li>
 Bachelor's degree in finance or business administration
 </li>
 <li>
 Minimum 8 years of banking experience in the corporate banking
 </li>
 <li>
 Credit Course is mandatory
 </li>
 <li>
 Comprehensive technical credit skills.
 </li>
 <li>
 Full commercial awareness.
 </li>
 <li>
 Credit related products and services solid knowledge.
 </li>
 <li>
 Full Awareness of credit local regulations &amp; laws.
 </li>
 <li>
 Knowledge of a wide spectrum of business management disciplines
 </li>
 </ul>
 
 
</div>

Senior Relationship Manager

ALEXBANK

<div>
 
 
 Job Duties:-
 
 
 
 Check Credit Proposal Memos &ldquo;CPM&rsquo;s&rdquo; that present the proposed Facility Package and the associated Terms and Conditions.
 
 <ul>
 <li>
 Contact the targeted clients and attend business meetings.
 </li>
 <li>
 Review and concur Marketing Call Memos addressing Division / Department Heads.
 </li>
 <li>
 Collect the necessary documents for brief study.
 </li>
 <li>
 Check the Executive summary to obtain in principle approval.
 </li>
 <li>
 Collect all Legal, Financial and Technical documents sufficient for conducting a proper Due Diligence on the targeted client.
 </li>
 <li>
 Follow up with Credit Analysis &amp; Underwriting Department until complete revision and the issuance of Risk Recommendation.
 </li>
 <li>
 Follow up the implementation of the CPM (Credit Proposal Memos) till the assets are booked including fulfillment of all requested documents.
 </li>
 <li>
 Ensure the marketability of all ALEXBANK&rsquo;s products &amp; services including Loans/Contingent Business as well as Retail Products.
 </li>
 <li>
 Attend calls to the existing clients on quarterly basis.
 </li>
 <li>
 Conduct regular accounts follow up assisted by periodical reports prepared by credit officers, analysts and/or assistants to avoid the manifestation of past dues, excesses and the breach of terms and conditions of approved facilities.
 </li>
 <li>
 Check Credit Proposal Memos and ensuring that they are designed with the appropriate facility package and to ensure all credit risks are addressed in the CPM (Credit Proposal Memos).
 </li>
 <li>
 Check interim reviews regarding contracts financing, special transactions and amendments in facility&rsquo;s original Terms and Conditions.
 </li>
 <li>
 Address any deviation of approved package or any risks emerged before conducting the regular annual review.
 </li>
 <li>
 Ensure that ALEXBANK is well positioned with each client in terms of competitive facility structure and offering all range of services.
 </li>
 <li>
 Ensure that when originally designing the facility package and upon annual reviewal that terms &amp; conditions provided to clients are in compliance with ALEXBANK's credit policy, strategy guidelines as well as CBE regulations.
 </li>
 <li>
 Review reports required by Division / Department Heads.
 </li>
 <li>
 Review Internal Outgoing Memos, Letters addressed to Corporate Clients, Financial and Legal Institutions.
 </li>
 <li>
 Ensure that the Annual Reviews are submitted on time and does not exceed the identified expiry threshold (as per the yearly agreed % ) and to ensure that the proposals are completed
 </li>
 </ul>
 
 
 
 
 
 Qualifications:-
 
 
 <ul>
 <li>
 5-10 Years of Experience
 </li>
 <li>
 Credit Certified.
 </li>
 <li>
 Client's care focused, solution oriented, Excellent communication and negotiation skills, sense of dialogue, ability to relate to people at all levels
 </li>
 <li>
 Excellent knowledge of payments and liquidity management corporate practices
 </li>
 <li>
 Excellent knowledge of the bank's procedures in account management and payment services
 </li>
 <li>
 Excellent knowledge of Projects management
 </li>
 <li>
 Marketing skills
 </li>
 <li>
 Analytical skills, able to offer tailored solutions
 </li>
 </ul>
 
 
</div>

Corporate Senior Relationship Manager / Corporate Relationship Manager

Ecolab

<div>
 Ecolab is seeking an
 
 Associate Credit Representative
 
 who will be responsible for an assigned portfolio of accounts. In this role you will be accountable for managing all aspects of a portfolio which include collection activities necessary to reduce AR aging, DSO and mitigate risk for the company. This requires good written and verbal communication skills and applicable accounting, reconciliation, analytical and collection skills necessary to achieve the company and department objectives.
 
 
 
 What&rsquo;s In It For You
 
 
 
 <ul>
 <li>
 The opportunity to take on some of the world&rsquo;s most meaningful challenges, helping customers achieve clean water, safe food, abundant energy and healthy environments
 </li>
 <li>
 The ability to make an impact and shape your career with a company that is passionate about growth
 </li>
 <li>
 The support of an organization that believes it is vital to include and engage diverse people, perspectives and ideas to achieve our best
 
 
 </li>
 </ul>
 
 Description
 
 
 
 Manage portfolio of customer accounts, working closely with sales to meet past due and DSO targets. Follow IMEA guidelines on assessing customer risk and risk mitigation of own portfolio of accounts. Apply policy &amp; procedures for collections, credit hold and credit risk to meet cash targets.
 
 
 
 Responsibilities
 
 
 
 <ul>
 <li>
 Establish and ensure monthly collection goals are integrated with total Saudi goals and targets flow to individual collectors.
 </li>
 <li>
 Implement strategies and deploy resources to meet collection targets and objectives.
 </li>
 <li>
 Drive sustained collections process improvement through the organization by changing behaviours around collections management using six sigma methodologies and integration of other functional disciplines.
 </li>
 <li>
 Establish and maintain effective Internal and External working relationships; including Sales, Supply Chain, Customer Service, Finance, Customer Relationships.
 </li>
 <li>
 Act as Escalation Leader for financial and customer issues
 </li>
 <li>
 Ensure team and individual goals on past due improvement are achieved.
 </li>
 <li>
 Monitor &amp; escalate defined uncollectable accounts; Manage National Legal and Collection Agency Portfolios
 </li>
 <li>
 Lead &amp; support business AR specific policies, processes and improvement projects
 </li>
 <li>
 Drive regular involvement of Regional, Market and National Sales management in regular status of portfolios.
 </li>
 <li>
 Perform customer risk assessments with appropriate policies to limit the dollar value of risk exposure with specific customers.
 </li>
 <li>
 Ensure collection processes are documented and followed in compliance with SOX requirements.
 </li>
 <li>
 Develop succession planning for team, identifying training requirements and milestone targets
 </li>
 <li>
 Support internal and external audits as required.
 </li>
 <li>
 Provide meaningful commentary as part of monthly requirements for bad debt and top overdue reporting.
 </li>
 <li>
 Basic Qualifications
 </li>
 <li>
 Strong verbal and written communication in English.
 </li>
 <li>
 Previous experience in collections or customer facing role.
 </li>
 <li>
 Robust competency in Microsoft.
 </li>
 <li>
 Knowledge in working with database applications and ERP systems e.g., SAP.
 </li>
 <li>
 Ability to influence internally with key stakeholders and externally with customers.
 </li>
 <li>
 Preferred Qualifications
 </li>
 <li>
 University degree
 </li>
 <li>
 3-5 years of business experience in credit.
 </li>
 <li>
 Ability to influence without authority.
 </li>
 <li>
 Knowledge in working with database applications SAP.
 </li>
 <li>
 High level proficiency in Microsoft.
 </li>
 <li>
 Excellent communication skills
 </li>
 <li>
 Skills &amp; Competencies:
 </li>
 <li>
 Self -motivated; Assertive
 </li>
 <li>
 Proven record of meeting deadlines
 </li>
 <li>
 Process-orientation with customer focus
 </li>
 <li>
 Time management, organization, and prioritization skills
 </li>
 <li>
 Ability to apply judgment in problem solving
 </li>
 <li>
 Ability to ask probing questions to obtain necessary information
 
 
 </li>
 </ul>
 
 Our Commitment to a Culture of Inclusion &amp; Belonging
 
 
 
 Ecolab is committed to fair and equal treatment of associates and applicants and furthering the principles of Equal Opportunity to Employment. We will recruit, hire, promote, transfer and provide opportunities for advancement based on individual qualifications and job performance in all matters affecting employment, compensation, benefits, working conditions, and opportunities for advancement. Ecolab will not discriminate against any associate or applicant for employment because of race, religion, color, creed, national origin,citizenship status, sex, sexual orientation, gender identity and expressions, genetic information, marital status, age, or disability.
</div>

Credit Controller Associate

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