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Credit Analyst - Underwriter

Fawry Microfinance

Posted on February 13, 2020

2 - 3 years Cairo - Egypt

Bachelor of Commerce(Commerce). Any Nationality

Opening 01

Job Description

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Scope of work
Credit Underwriter is responsible for assessing the risk of credit applications received from loan officers and sales representatives, as well as for decision-making within the approved limits of competence.
Main responsibilities and tasks
• Credit underwriters review and evaluate credit applications submitted by LO/Sales representatives to identify potential risks of the borrower
• Conduct a detailed study of financial statements (balance sheet, profit & loss) and other business documents to verify the creditworthiness of the customer
• Generate and analyse all necessary reports (I-score, Fawry Score, turnover with FAWRY) to check the customer`s credit history and business performance
• Verify the information from application form by phone call to the potential customer or via field visits to the customer s business premises
• Ensure compliance with credit risk policies, standards, procedures and other internal regulations in lending operations and decisions taken
• Prepare credit risk classifications and credit risk opinion in relation to the requested credit exposures
• Decide on the credit exposure within his / her level of competence
• Present the case and the identified risks to the credit committee members, if his / her authorization level is insufficient for an independent decision
• Assist loan officers and sales representatives to verify the accuracy of information received and calculations made during the financial analysis
• Prepare performance reports related to applications approval/rejection rates, reasons for rejection, processing time of application, etc.
• Evaluate the performance of loan officers and sales representatives in their ability to conduct proper financial analisys of potential borrowers
• Identify and report suspicious transactions and decisions to management
• Guarantee the confidentiality of processed information, both clients and institution
job requirements
More than 2 years
Not Specified at least
Banking Financial Services


Banking / Financial Services / Broking

Finance / Treasury

Desired Candidate Profile

University degree of economics / accounting / banking / finance
• Good spoken level of English (minimum Intermediate level)
• Experience in financing / credit underwriting (2 years )
• Strong analytical and logical skills
• Good communication and presentations skills
• Attentiveness to details
• Ability to make independent decisions
• Flexibility to travel on short assignments
• Proficiency in using MS Office products (Word, Excel, PowerPoint)

Keywords

Credit Analyst - Underwriter

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Fawry Microfinance


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