Senior Corporate Credit Analyst (Write up)

A GLIMPSE ABOUT CRÉDIT AGRICOLE EGYPT:

Crédit Agricole Egypt Since its launch in 2006, Crédit Agricole Egypt has succeeded to become a strong player on the economic scene, positioning itself as the Reference European Bank in Egypt. Aiming to become a leading innovation-driven sustainable bank, Crédit Agricole Egypt is committed to bring its international expertise to the local market to serve its clients and drive the sustainable development in line with Egypt’s national priorities.

With a universal customer-focused model, Crédit Agricole Egypt is “a whole bank just for you” serving the entire spectrum of customers: individuals, SMEs, enterprises, Corporate and public sector. Prioritizing its customers’ best interests, Crédit Agricole Egypt presents an extensive range of services, tailored financial solutions and the sound advice, to accompany its clients in their walk of life. Awarded most innovative bank in Egypt, convenience and distinguished customer experience is Crédit Agricole Egypt’s endeavor to attain its customers’ satisfaction throughout its nationwide network of branches and its state-of-the-art fully-fledged platform of digital services. Furthermore, Crédit Agricole Egypt is in line with the world’s digital transformation, encouraging and implementing an innovative environment to exceed its customers’ expectations.

In addition, for being an active contributor to the local economy, the bank is committed to support the development of the Egyptian community and the respect of the environment.

Summary In brief statement:

• Financial Analysis Unit (GCA) is an independent unit within the Corporate Banking that prepares the credit applications for all segmented clients of Credit Agricole Egypt, takes part in the decision-making process and manages the approved limits.

Duties & Responsibilities:

• Preparation of credit reviews, both for prospects (new credit files) and existing clients (annual and interim reviews / facility enhancements) to be presented in local committees.
• Spreading (in Anadefi) and analyzing the audited accounts submitted by the clients.
• Responsible for updating client ratings within the system, keeping it in line with any changes in sector/country ratings.
• Obtaining, in coordination with the Coverage team, all the information required for the preparation of the credit files.
• Drawing conclusions on the overall risk of the counterpart.
• Supporting Senior banker and/or métier for credit analysis purposes.
• Ensuring limited/nil extension of credit packages.
• Training and assisting junior and financial analysts
• Ensuring follow up of decision process, and approvals.

Requirements:

• College degree, preferably with an exposure to financial Modelling / Analysis..
• 2-5 years of experience in Analysis.
• Credit Course is a must.
• Adequate knowledge of credit /financial analysis, with wide exposure to the Egyptian market.
• Ability to assess risks and draw credit conclusions.
• Communication skills with both internal (relationship managers, risk and operations) and external clients.
• Very Good command of Computer skills (Word, excel & power point).
• Excellent Command of English Language both written & spoken.
• Articulate, confident communicator and presenter.