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sme credit analyst

Fawry MSME Finance

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 Analyze SME credit applications and evaluate borrowers&rsquo; financial performance, repayment capacity, and business stability.
 
 
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 Prepare comprehensive credit memos summarizing financial, business, and risk assessments for each applicant.
 
 
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 Spread financial statements (balance sheet, income statement, and cash flow) accurately into the credit system or model to assess ratios and trends.
 
 
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 Ensure all required documentation is complete before submission to the Risk Department for approval.
 
 
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 Coordinate with Relationship Managers to collect missing information or clarifications needed for case finalization.
 
 
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 Review client background checks, I-Score reports, and bank statements to validate data consistency.
 
 
 
 
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 Requirements
 
 
 
 &middot; Bachelor&rsquo;s in Finance, Economics, or related field.
 
 
 
 &middot; 2-4 years of experience in credit risk, ideally in SME.
 
 
 
 &middot; Excellent analytical, reporting, and communication skills.
 
 
 
 &middot; Proficiency in Excel and risk modeling tools.
 
 
 
 
 
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SME Credit Analyst

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 Supervise and review the analysis of SME credit applications, ensuring accurate evaluation of borrowers&rsquo; financial performance, repayment capacity, and business stability.
 
 
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 Oversee the preparation of comprehensive credit memos, verifying the quality and completeness of financial, business, and risk assessments.
 
 
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 Review and validate financial statement spreads (balance sheet, income statement, and cash flow) to ensure accuracy and consistency in ratio and trend analysis.
 
 
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 Ensure all required documentation is thoroughly reviewed and complete before submission to the Risk Department for approval.
 
 
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 Guide and support Relationship Managers and credit analysts in collecting missing information and finalizing cases efficiently.
 
 
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 Review and approve client background checks, I-Score reports, and bank statements to confirm data accuracy and alignment with credit policies.
 
 
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 Provide coaching and technical guidance to the credit team to enhance analytical standards and improve the quality of submitted cases.
 
 
 
 
 
 
 
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 Requirements
 
 
 
 &middot; Bachelor&rsquo;s in Finance, Economics, or related field.
 
 
 
 &middot; 5-7 years of experience in credit risk, ideally in SME banking.
 
 
 
 &middot; Excellent analytical, reporting, and leadership skills.
 
 
 
 &middot; Proficiency in Excel and risk modeling tools.
 
 
 
 
 
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SME Credit Analyst Team Leader

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 Lead and supervise a team of SME Relationship Managers to ensure achievement of sales and portfolio quality targets.
 
 
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 Oversee the development and maintenance of strong relationships with SME clients to drive business growth and customer satisfaction.
 
 
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 Review and approve loan applications prepared by the team, ensuring accuracy and alignment with credit policies.
 
 
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 Guide the team in assessing clients&rsquo; financial needs and providing tailored financial solutions.
 
 
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 Monitor team performance, client portfolios, and market trends to identify business opportunities and mitigate risks.
 
 
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 Coordinate with internal departments (Credit, Risk, and Operations) to ensure smooth and timely processing of SME applications.
 
 
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 Conduct regular coaching sessions to enhance the team&rsquo;s sales, credit analysis, and relationship management capabilities.
 
 
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 Ensure high levels of customer retention through proactive portfolio management and service quality.
 
 
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 Prepare performance reports and share feedback with management to support strategic decision-making.
 
 
 
 
 
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 Requirements
 
 
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 Bachelor&rsquo;s degree in Business Administration, Finance, Economics, or a related field.
 
 
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 5-7 years of experience in SME banking or lending, including solid experience in B2B sales and relationship management.
 
 
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 Proven background in managing corporate or SME client portfolios and achieving business growth targets.
 
 
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 Strong understanding of SME products, credit analysis, and financial statement evaluation.
 
 
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 Demonstrated ability to build and maintain long-term relationships with business clients.
 
 
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 Excellent leadership, coaching, and team management skills.
 
 
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SME Relationship Manager Team Leader

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 Review and evaluate SME loan applications submitted by Loan Officers or Digital Finance Teams.
 
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 Assess borrowers&rsquo; financial profiles by analyzing income statements, balance sheets, cash flows, and other relevant documents.
 
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 Verify borrower information through phone calls, site visits, and business background checks as needed.
 
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 Analyze credit reports (e.g., I-Score, Fawry Score, transaction history) to evaluate credit behavior and risk profile.
 
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 Ensure compliance with credit risk policies, underwriting standards, and relevant regulations during the assessment process.
 
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 Provide accurate and well-justified credit recommendations to support loan approval decisions.
 
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 Maintain the confidentiality and security of all borrower data and business information.
 
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 Identify and escalate suspicious applications or fraudulent activities.
 
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 Collaborate with Loan Officers to improve application quality and ensure complete and accurate documentation.
 
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 Contribute to continuous improvement of credit underwriting processes and risk assessment tools.
 
 
 
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 Requirements
 
 
 
 
 
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 University Degree, Bachelor of Economic, Finance or commerce.
 
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 1-3 years of experience in financial analysis or credit underwriting.
 
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 Prior exposure to banking, microfinance, or SME lending is preferable
 
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SME Credit Underwriter Agent

Abu Dhabi Islamic Bank - Egypt

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 To manage a large portfolio with coverage in BB hubs , enhancing exiting BB Customers relationships in-order to achieve predetermined objectives.To manage a large portfolio with coverage in BB hubs , enhancing exiting BB Customers relationships in-order to achieve predetermined objectives.
 
 
 KEY ACCOUNTABILITIES:
 
 
 
 Functional
 
 
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 Screens Proposed Customers against Target Market Plan and Risk Acceptance Criteria, to initially identify ADIB EGYPT credit risk appetite for obligors and setting the facility structure, subject to Business and Risk Management approvals and the Wholesale Bank Policy.
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 Furnishes / updates the Business Analyst with client information, financial statements, and relevant data, for the different types of CA reviews (Annual, Initial, Interim etc.).
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 Reviews /Approves extensions of credit (for credit officers) and ensure that the data within these extensions of credit are accurate and that they are designed with the appropriate requested facility package and all credit risks are properly addressed.
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 Ensures that the extensions of credit are consistent with the relationship profile and endorsing the risk /reward balance.
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 Ensures appropriate obligor / facility risk ratings in line with the risk ratings Policy of the bank.
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 Conducts regular accounts follow up assisted by periodical reports to avoid the manifestation of past dues, excess and the breach of terms and conditions of the approved facilities.
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 Monitors changes in the risk position of the clients using renewal and monitoring tools, and are promptly communicated to business and risk managers.
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 Maintains regular contacts with customers to sort any internal/ departmental issues with immediate action, supporting CSU Service Unit to serve customers in the best way, as per approved SLA.
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 Conducts periodic client calls /site visits and document client calls with the frequency indicated in the credit analysis section.
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 Maintains customer loyalty and promote brand identify by providing excellent customer service via regular updates and reviews on bank&rsquo;s range of financial products as well as customers&rsquo; financial needs.
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 Provides quality service to clients and closely follow up and ensure the processing of all requests (new facilities, increase of existing facilities, amendments, waivers, operations requests etc.) up to their satisfaction duly within SLAs without deviation.
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 Conducts marketing calls to screen the market and approach potential relationships.
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 Identifies expansion opportunities with existing clientele base to achieve portfolio growth.
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 Monitors practices of competition and report findings to RM/SRM.
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 Provides product specialists with qualified referrals for cross-sell. Responsible for overall parent relationship management and providing a wide range of treasury, cash management, trade and corporate finance products and solutions.
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 Monitors Past Dues Report and take any required action, after consulting with Unit Head and/or Wholesale Bank Head.
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 Ensures that extensions of credit follow regulatory limits and the Central Bank of Egypt regulations and guidelines.
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 Initiates &ldquo;credit checking&rdquo; and &ldquo;Central de Risqu&eacute; &ndash; CBE&rdquo; requests, and ensure their completeness by the time of the credit approval.
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 Provides recommendations to improve the current procedures and processes to ensure that work is carried out in an efficient manner.
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 And any other assigned tasks.
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 QUALIFICATIONS:
 
 
 
 
 Academic and professional qualifications
 
 
 
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 University/College Degree .
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 MA or MBA is an advantage
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 Experience and other requirements
 
 
 
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 Basic Qualifications:
 
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 Corporate Banking Knowledge
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 Sound understanding of corporate, treasury, cash management and trade, corporate lending products and other products offered.
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 Strong sales&amp; marketing skills, with the ability to interpret complex financial information.
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 Proven track record of meeting/exceeding revenue targets
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 Excellent interpersonal skills, including listening skills/temperament.
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 Excellent communication (written and verbal) and negotiation skills.
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 Ability to build and sustain good personal contacts with client executives at varying levels of seniority, balancing client needs and ADIB EGYPT objectives/priorities.
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 Creativity - an enquiring mind willing to develop a detailed understanding of client issues/needs and develop ideas/solutions in response Strong work ethic; high energy levels; results oriented - a self-starter prepared to take the initiative to start topics and/or follow issues through, whilst exercising judgment as to when to seek assistance.
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 Networking - Maintaining close contact with coverage, product and risk specialists within ADIB.
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 Natural Team Player - Having an adaptable/flexible approach; willing to work in a co-operative manner to fulfil client and internal requirements.
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 Coordinate with other BB staff for Cross selling BB asset and other banking product.
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 Ensure high level of service
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 Minimum Experience
 
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 BB Acquisition Senior RM: 8-10 years of banking experience at least 3 of them in SME/ BB / Trade /Corporate service
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 BB Acquisition RM: 5-7 years of banking experience in sme / BB / Trade /corporate service .
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Business Banking Acquisition Relationship Manager - Liabilities (Obour/Arabella/October)

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85 sme credit analyst jobs IN Cairo

SME Credit Analyst

SME Credit Analyst

SME Credit Analyst Team Leader

SME Credit Analyst Team Leader

SME Relationship Manager Team Leader

SME Credit Underwriter Agent

Business Banking Acquisition Relationship Manager - Liabilities (Obour/Arabella/October)