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product analyst - material & finance

credit analyst

Banque Misr

<div>
 
 
 Role Description:
 
 
 
 
 
 <ul>
 <li>
 Responsible for supporting RMs on handling day to day operational activities, credit memos and account planning for their client base.
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 Supports RMs on credit memo completion; prepares main body of credit memo, collects financial data to perform financial analysis and coordinates with all other departments where required.
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 Supports RMs on completing account plans, and coordinating as required with other product factories.
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 Supports RMs on other ad-hoc analysis required for monitoring profitability and other ad-hoc requests.
 </li>
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 Supports RMs on launch &amp; completion of annual client reviews and identification of potential areas of improvement.
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 Responsible to coordinate with CCS, operations and any other required departments to ensure proper execution of transactions and completion of admin activities in a timely manner (e.g., opening and closing of customer account, transfers, amendment of customer account details, coordinate regular payments, collecting KYC documents etc.).
 </li>
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 Develop skill set &amp; knowledge to continue growth journey within corporate division.
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 Select interactions with clients with guidance and support from RMs.
 </li>
 </ul>
 
 
 
 
 
 Role Requirements:
 
 
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree business or any relevant field.
 </li>
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 1 - 3 Years of Experience.
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 <li>
 Banking experience is a plus.
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 <li>
 Credit Course is a plus.
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 <li>
 Fluent in both written and spoken Arabic and English languages.
 </li>
 </ul>
 
 
</div>

Credit Analyst - SMEs

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.
 
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 Analyze and interpret financial statements, tax returns, rent rolls, leases, and other borrower documentation in a clear and concise manner.
 
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 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.
 
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 Assign appropriate risk ratings based on borrower financial performance.
 
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 Manage the loan approval process with Committees to ensure compliance with internal credit policies, applicable Egyptian regulations, and accuracy of documentation.
 
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 Collaborate with the Executive Director, CFO, supporting staff, and clients to negotiate and finalize loan structures and terms.
 
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 Ensure full compliance with relevant financial and regulatory requirements under Egyptian laws and international lending standards.
 
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 Oversee post-loan closing activities, ensuring all conditions precedent to closing are accurate and complete.
 
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 Identify potential risks and early warning signs in client portfolios, industries, and market conditions.
 
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 Maintain ongoing communication with clients and internal stakeholders throughout the loan life cycle.
 
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 Monitor compliance with all loan covenants and ensure proper documentation for credit reviews, audits, and compliance checks.
 
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 Safeguard the quality, integrity, and accuracy of financial analysis, underwriting, and credit approval processes.
 
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 </ul>
 
 Skills
 
 
 <ul>
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 Strong analytical ability with experience in financial data analysis and performance evaluation.
 
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 Skilled in preparing financial reports, projections, and investment appraisals.
 
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 Ability to evaluate capital expenditures, depreciation, and overall financial feasibility.
 
 </li>
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 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>
 4+ years of experience 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

Emirates NBD

<div>
 
 Job Responsibilities:
 
 
 -Responsible for the MIS, reporting on daily basis for all received corporate clients.
 
 
 -Analyze the approved credit structures in order to determine the necessary documentary framework for implementation of credit structure terms, conditions &amp; collaterals.
 
 
 -Determine the necessary documentations required to execute the credit approval facility.
 
 
 -Coordinate with related stakeholders to finalize the required legal contracts.
 
 
 -Handle the documentation preparation process for common credit structures not involving MTLs or special mechanism or corporate guarantees to ensure transformation of all credit facilities structures into proper legal docs governing the credit relationship with client &amp; protecting the bank rights.
 
 
 -Ensure the credit decision is made by proper delegation level as per ENBD's DLA framework prior to initiating the documentary implementation process.
 
 
 -Ensure coordination with other stakeholders to ensure that all regulatory documents are obtained prior to authorizing availing facilities to the clients and full abidance by CBE regulations in this regards.
 
 
 -Coordinate for the implementation of decisions for cancellation / reduction in existing facilities in order to safeguard the bank position by not allowing funds for clients found to be of deteriorating risk profile by credit DLA holders.
 
 
 -Implement amendments regarding the risk rating &amp; maturity extension once approved by management in order to ensure accuracy of portfolio quality reports.
 
 
 -Required years of experience from 0-2 years in Credit Documentation &amp; Collaterals.
 
 
 -Bachelor degree of law is preferably.
 
 
 
</div>

Credit Documentation & Collaterals Officer

SSC HR Solutions

<div>
 <ul>
 <li>
 Perform Financial Statement Accuracy checks and receipt of sales info memorandum from RM to ensure portfolio quality
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 Conduct financial statement spreading and analysis on Business banking company's financials referred from the Relationship managers to offer them the suitable lending package
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 Ensure that Credit investigation report is in order with no negative findings to cover all investigation aspects
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 Pass customers through CSC (Customer screening criteria) to reach customer's risk grade and ensure their alignment with the bank's set risk appetite
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 Prepare the Customer's "Terms of Lending"/ "Customer Acceptance Criteria" - (Terms of Lending) as per the customer risk grade
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 Conduct regular customer meetings to clarify on risk points
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 Approve customer' Buyers and Suppliers based on evaluation of Credit investigation report
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 Prepare Credit Approval Memo (CAM), presenting the company's financial parameters matching the relevant policy and write-ups for annual reviews and memos incorporating all risks with strict adherence to CBE and for the annual reviews of the existing clients and new commitments to renew packages
 </li>
 <li>
 Obtain the necessary approvals of the relevant the approving bodies on Credit packages
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 Provide case feedback on submitted cases form the RMs within the defined TAT to maintain customer satisfaction and set service levels
 
 
 </li>
 </ul>
 Follow up
 
 
 <ul>
 <li>
 Follow up and track the portfolio in terms of the expiry and renewals of granted facilities in order for the required approvals to be finalized before the target date.
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 <li>
 Monitor the facility utilization to ensure that it is within approved limit and structure and ensure prompt settlement of dues
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 Respond to the recommended actions regarding the Early Warning alarming signals with actionable interactions in a timely manner to maintain portfolio quality
 
 
 </li>
 </ul>
 Policies, Processes and Procedures
 
 
 <ul>
 <li>
 Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner
 
 
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 </ul>
 Day-to-day management
 
 
 <ul>
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 Follow the day-to-day operations related to own job to ensure continuity of work
 
 
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 </ul>
 Compliance
 
 
 <ul>
 <li>
 Comply with all relevant CBE regulations, banking laws, AML regulations and internal policies and code of conduct in order to maintain sound legal position and mitigate any potential risks
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 Bachelor's degree of commerce, Business Administration, accounting or equivalent
 </li>
 <li>
 Minimum 4 - 6 for underwriters of lending experience to SME/Midcap segment,
 </li>
 <li>
 Credit knowledge &amp; Certification
 
 
 </li>
 </ul>
 
 Skills
 
 
 
 <ul>
 <li>
 Change management skills
 </li>
 <li>
 Strong negotiation and influencing skills
 </li>
 <li>
 Ability to analyse and interpret large volumes of data and take decisions
 </li>
 <li>
 Strong presence and ability to work with people across functions at all levels
 </li>
 </ul>
</div>

BB Underwriter

Al Tamimi & Company

<div>
 
 
 Role:
 
 Credit Controller
 
 
 
 
 
 
 Reporting line:
 
 Credit Manager
 
 
 
 
 
 
 Requirements &amp; Personal Attributes:
 
 
 
 
 
 <ul>
 <li>
 4+ years of experience in Accounts Receivables or Credit Control in a fast-paced environment, handling large volumes.
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 <li>
 High self-motivation, with a proven ability to take initiative and work independently.
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 <li>
 Advanced Excel skills and strong problem-solving abilities.
 </li>
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 Excellent communication, interpersonal skills
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 Fluent in English.
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 Ability to work effectively under pressure and consistently meet deadlines.
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 Strong attention to detail and accuracy.
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 <li>
 Solid understanding of financial concepts.
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 <li>
 Persistent, proactive, and target driven.
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 Flexible, with the ability to support after-hours work and commute to client premises if needed.
 </li>
 </ul>
 
 
 
 
 
 Primary Job Purpose:
 
 
 
 
 
 
 The Credit Controller will manage receivables for assigned clients, including Egypt office clients. The role involves overseeing all aspects of credit management, including vendor registration, updating billing instructions, follow up on debt collection, reconciliations, financial reporting, end of year external audit preparation, and ensuring timely payments. The Credit Controller will collaborate closely with lawyers, secretaries, compliance, and the finance team to minimize outstanding receivables and mitigate credit risk while building and maintaining strong customer relationships.
 
 
 
 
 
 
 Duties &amp; Responsibilities:
 
 
 
 
 
 
 Subject to Change based on business needs:
 
 
 
 
 <ul>
 <li>
 Monitor and assess clients&rsquo; current standing, ensuring credit limits and engagement letters are updated in the ERP system (Elite) in compliance with company policies.
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 Proactively manage collections and follow up on overdue payments, escalating when necessary.
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 Resolve client queries promptly and maintain strong relationships to facilitate smooth credit management.
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 Support fee earners and secretaries in collecting fees from clients.
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 Prepare and maintain accurate reports on accounts receivable, overdue debts, credit risk, and ad hoc requests.
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 Negotiate payment plans and settlements with clients when necessary.
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 Assist with cross-department projects and prepare audit letters.
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 Draft vendor registration forms.
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 Contribute to the wider team efforts as and when required.
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 </ul>
 
 
 
 
 
 Relationships:
 
 
 
 
 
 <ul>
 <li>
 Fee Earners
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 <li>
 Secretaries
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 <li>
 Compliance
 </li>
 <li>
 Finance
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 <li>
 Clients
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 </ul>
 
 
 
 
 
 Diversity, Equity &amp; Inclusion:
 
 
 
 
 
 
 Essential to our success as a Professional Organization is our ability to attract and retain the best talent from a diverse range of backgrounds. We are committed to a work environment where everyone can reach their potential, and we have an inclusive culture which respects individual differences.
 
 
 We undertake and support a number of internal and external initiatives aimed at increasing diversity within the profession and we encourage all our partners and staff to get involved.
 
 
 Al Tamimi &amp; Company is committed to providing equal opportunities for all. We welcome applications from candidates with disabilities and support those in the workplace who have a disability.
 
</div>

Credit Controller - Egypt

On-Hire

<div>
 Our client, a prominent player in the financial services industry, is seeking an experienced Credit Manager to join their finance team. The Credit Manager will be responsible for overseeing the credit management process and ensuring the company's credit policies are effectively implemented and adhered to.
 
 
 In this role, you will assess the creditworthiness of potential clients, manage credit limits, and lead a team dedicated to ensuring optimal cash flow while minimizing bad debt risk. Your expertise in risk assessment and relationship management will be key to maintaining positive client relations while safeguarding the company's financial interests.
 
 
 
 Key Responsibilities:
 
 
 
 <ul>
 <li>
 Lead the credit assessment team responsible for underwriting all loan applications (consumer and microfinance)
 </li>
 <li>
 Ensure that credit decisions are consistent, well-documented, and aligned with approved credit policies and product programs
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 Develop and maintain standardized evaluation methodologies tailored to customer segments and product types
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 Establish and enforce service level agreements (SLAs) for application turnaround time (TAT) across channels
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 Implement robust quality control processes to detect and reduce errors, fraud, and deviations from policy
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 Drive continuous improvement of underwriting workflows and use of decision-support tools and scoring models
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 Work closely with the Credit Policy and Risk teams to provide feedback on observed credit trends, exceptions, and operational challenges
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 Support testing and implementation of new credit policies, rule adjustments, and system upgrades
 </li>
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 Build, train, and lead a team of credit analysts, underwriters, and credit reviewers
 </li>
 <li>
 Develop competency frameworks, training plans, and performance KPIs to ensure consistent evaluation standards
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 Foster a culture of accountability, speed, and risk awareness within the team
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 <li>
 Generate regular reports on application volumes, approval/rejection rates, exception trends, and team productivity
 </li>
 <li>
 Highlight key risk indicators and support root cause analysis of delinquency related to credit decisions
 </li>
 <li>
 Monitor turnaround time (TAT) and enhance efficiency in credit operations through automation and system integration
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 &squf; Bachelor's degree of Commerce, Business Administration, Accounting or equivalent.
 
 
 &squf; 8+ years of experience in credit risk, quality assurance, or related roles, with at least 3 years in a leadership position.
 
 
 &squf; Proven expertise in consumer and microfinance lending operations
 
 
 &squf; Experienced with automated credit decisioning systems or loan origination platforms. Skills:
 
 
 &squf; Strong knowledge of credit policies, underwriting processes, and regulatory requirements.
 
 
 &squf; Proficiency in data analysis, reporting tools, and quality assurance methodologies.
 
 
 &squf; Excellent leadership, problem-solving, and communication skills.
 
 
 &squf; Attention to detail and a strong focus on accuracy and compliance.
 
 
 &squf; Strategic thinking with the ability to align quality assurance practices with business goals.
 
 
 
 Benefits
 
 
 
 Attractive Package
</div>

Credit Manager - Consumer Credit

Explore 106+ Credit analyst in Cairo this September. Find roles across top companies and apply now to boost your career.

106 credit analyst jobs IN Cairo

Credit Analyst - SMEs

Financial Analyst

Financial Analyst

Credit Documentation & Collaterals Officer

BB Underwriter

Credit Controller - Egypt

Credit Manager - Consumer Credit