Risk Consulting - MENA FS Risk - Credit Risk - Senior Consultant

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Risk Consulting – MENA FS Risk – Senior Consultant - Credit Risk

Description
EY GDS Risk Consulting is a unique, industry-focused business unit that provides a broad range of integrated services that leverage deep industry experience with strong functional capability and product knowledge. MENA risk consulting practice provides integrated consulting services to financial institutions and other capital markets participants, including commercial banks, investment banks.

Key Responsibilities 

• Underwrite and improve credit decision making, review portfolio
• Perform in-depth analysis of financial statements, bank statements, business model and other credit parameters on the application, counter parties, related parties, market knowledge, with objective to build quality portfolio
• Have knowledge of credit risk related laws & regulatory requirements
• Design loans that suit the borrowers needs, prepare loan agreements
• Perform due diligence on potential borrowers and properties, legal document reviews, and title searches
• Use financial ratios, market trends, and industry benchmarks to evaluate likelihood of a borrower’s ability to repay a loan, considering factors such as debt-to-income ratio, property value and cash flow
• Apply internal risk models to evaluate borrower risk profiles.and creditworthiness, 
• Perform risk analysis, evaluate credit metrics, and provide insights for credit decision-making and portfolio management
• Prepare and review credit memos
• Awareness on types of collaterals and the effect with defaulted / classified accounts
• Adequate knowledge on write-off methodology & application
• Awareness on default meaning, types, detection & reporting
• Awareness on restructured loans, types, implications & reporting

Qualifications, Certifications and Education

Required skills and experience: 

• Bachelor's/Master’s degree in Finance, Business, Economics or a related field 
• 4-6 years of experience in credit analysis within Corporate Banking, Credit Risk, or a Rating Agency.
• Credit writing experience, including credit memos, loan annual reviewsExpertise in credit analysis of Large Corporates, SMEs, FI’s, project finance etc. 
• Ability to consult with business and technical teams of all levels including senior management
• Knowledge of regulatory requirements in credit analysis
• Detail-oriented with strong analytical skills
• Professional English language written and verbal skills
• Excellent communication and presentation skills

Good-to-have:

• Certificates in risk management like CFA & FRM are a plus
• Risk management and Controls knowledge/experience
• Willingness to travel to meet client needs

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