About Banque Du Caire
Founded in 1952, Banque du Caire is one of the oldest and largest Egyptian banks, providing its clients with an integrated and diversified package of banking services and products designed specifically to meet their needs, which in turn resulted in the bank receiving various awards over its six decades of operation. Banque du Caire succeeded in transforming itself into a leading financial institution through its diverse portfolio, including large, medium, small and micro companies in the Egyptian market. This is accomplished through its ever-growing network of branches and ATMs spread nationwide, and the team that includes a large number of the banking sector’s talents.
Through a network of 248 branches, 1640 ATMs spread nationwide, Banque du Caire serves a massive and diverse customer base of more than 3 million customers. This includes major corporations, prominent institutions, high net worth customers, and individual customers, including one million customers subscribed to digital services. Providing them with a package of the best banking services and products. The bank is also keen to continue its leadership as the banking institution of choice for customers, by expanding the digital banking services package, modernizing the bank’s infrastructure and operational systems, as well as developing the governance system in accordance with the best international standards.
Banque Du Caire Endless Opportunities…
Working at BDC is more than just a job…
At BDC you will work under the guidance of top notch smart minds in the industry who are keen to share their knowledge and learn from you. You will be amongst a diversified team enhancing creativity and innovation, where all voices are heard.
Values
In the light of our blazing phase escorted by our well-established “Code of Ethics”, you will have the opportunity to be part of our dream, working with colleagues from different backgrounds, exchanging knowledge, values and experiences. Diversity helps us boost our capacity for innovation, crack our problems and increase our productivity. When it comes to values, we are keen to use power for good through our CSR department nurturing social enterprises and protecting our environment.
Competitive Benefits
To ensure our employees and their families’ well-being, we designed a very comprehensive and competitive benefits’ programs.
Competitive Compensations
We aim to stay competitive and paying for performance with keeping the internal and external equity.
Growth opportunities
We want our employees to grow …
We provide endless career opportunities for passionate bankers, exceling employees and emerging leaders to reach their full potential, growing within BDC family. We are seeking individuals who have the
ability and ambition to build their career with us. The sky is the limit when it comes to our training programs, we have a specialized team defining the demands of our employees, preparing them for upcoming challenges and fostering future leaders. We believe that our passionate employees are our prime investment. Join our SMEs Business School, our fast track promotion system, our annual skills development courses...etc.
Join Banque Du Caire as a SMEs Credit Risk
About the job
Job Summary:
To manage and monitor a portfolio in the Small and Medium Enterprises (SMEs) Risk Unit, assess credit applications along with risk recommendations, in light of CBE regulations and Banque du Caire policy, to be presented to credit committees. Follow up on expired cases for renewal, past dues, expired documents, discrepancies, and risk rating approvals.
Job Description:
- Prescreen the provided set of documents from the business side, verifying the fulfillment of the required checklist.
- Communicate with the SME Business team regarding any additional requirements or documents.
- Verify the accuracy of the on-hand documents and financial figures, including double-checking and validating the auditor's credentials.
- Identify the purpose of the proposed loan and the eligibility under CBE initiatives.
- Spread financial statements over the Moody’s system.
- Perform financial analysis to cover profitability trends, liquidity, solvency, and cash flow, in addition to projections for long-term loans.
- Analyze proposed credit applications against industry concentration and the purpose of finance after calculating the financial need.
- Stay updated on market news and governmental regulations.
- Determine different risks and ensure they are covered.
- Assess the quality of the collateral offered.
- Provide recommendations regarding facility applications.
- Define all requested exceptions in terms of pricing or commissions and determine the appropriate credit risk committee depending on the amount of the requested facility and rating.
- Abide by the turnaround time for each credit application along with providing accurate credit recommendations.
- Follow up on expired cases, turnover conditions, breached covenants, expired documents, past dues, shortfalls, and deviations.
Job Requirements:
- Minimum 1 year of experience in Credit Risk Assessment, up to 5 years.
- Full Credit Course is a must.
- Ability to write recommendations in the Arabic language.
- Bachelor's degree in business administration or any related field.