Trade and Credit Information Officer - Alexandria

Job description
Role Purpose:
* Providing credit information reports to all business areas for current and potential customers.
* Conducting periodic inspection/follow-up on all corporate pledges (warehouses).
Principal Accountabilities :
Impact on the Business/Function

• Preparing of TCI reports on current and potential borrowing customers.


• Conducting periodic inspection/follow-up on all corporate pledges (warehouses).


• Conducting visits for existing/potential HBEG CMB & GBM customers.

Customers / Stakeholders:

• Providing Global Banking, Commercial Banking and Business Banking with reliable, cost efficient and timely investigation reports.


• Developing a vast network of information sources represented in our counterparts in other banks and other local market sources.


• Providing corporate divisions with CBE ACP's (Aggregate Credit Positions) of their customers .

Leadership & Teamwork:

• Coordinating with team members for optimized efficiency and maximized productivity.

Operational Effectiveness & Control:

• Implementation of processes and systems as prescribed by CBE (Central Bank of Egypt) and meet regulatory requirements.


• To implement the Group Compliance policy locally by managing compliance risk, ensuring adequate compliance resources are in place and training is provided , fostering a compliance culture and optimizing relations with regulators.

Major Challenges:

• Reviewing and ensuring sound knowledge of risk parameters and controls to keep different types of risks at acceptable levels, specifically counterparty fraud risk, by conducting on-going customer due diligence, monitoring for suspicious behaviour and taking appropriate action as set forth in operating policies when necessary.


• Eliminating any obstacles in in daily workflow so as to obtain business information of reliable nature from trustworthy sources and examining the integrity of such information to reinforce decision making prior to reviewing/establishing relationships.


• Answering TCI requests from/to overseas banks on our/their customers through obtaining/providing all relevant information about overseas customers.


• Reducing TAT by eliminating unnecessary processes in a way to satisfy all business parties while ensuring that all internal control procedures are strictly adhered to.


• Noting systemic problems and suggesting appropriate outcomes.


• Providing all bank's related departments with any emerged job related news through our daily browsing in newspapers & other sources of media.


• Detecting fraud cases through confirming other banks statements presented by potential customers.


• To be always in line with any economic, political changes in the market regarding customers & industries.


• **** Maintaining a strong understanding of each customer's business, industry analysis and associated risks & threads

Role Context:

• TCI supports all HBEG Branches, DSD, Global Banking, Commercial Banking, Business Banking areas.


• TCI is the first step in any facility's granting decision and is one of the risk assessment businesses in the lending process.


• Mitigating the risk of defaulting existing customers through regular monitoring of their market and Bank's positions.


• Conducting visits to our potential/existing customers & meeting their executives and a detailed call report is submitted to the concerned business area showing customer's positions & performance. Also, referring customers to banking products where appropriate (RBWM, Commercial Banking, Global Banking, Business Banking, Payment & cash Management, Trade & supply chain …) based on customers' needs to increase profitability from ancillary businesses.


• TCI also plays a supportive role to other departments : RBWM , LPD , CPD , CRM , CLD , HR , in providing relevant credit information in order to meet external customer needs.


• Developing needed workflows to be followed by TCI members , also assisting in setting & formulating TCI job related workflows with involved departments.


• Ensuring a strong delivery of TCI reports by means of minimizing TAT, also ensuring that renewal of TCI reports are synchronized with review dates.

Management of Risk :

• Aware of the Operational Risk controls associated with TCI and acts in a manner that takes account of operational risk concern.


• Building strong relations with regulators/local authorities by addressing any issues in transparency.

Observation of Internal Controls:

• Ensuring proper security procedures are adhered to within TCI department.


• Ensuring full adherence to all banks policies & code of conduct.


• Protecting secrecy of customers & bank information (both softcopies & hardcopies) & ensuring that they are properly handled & safeguarded.


• Ensuring TCI database are properly archived.

Role Dimensions:

• Contributing in overall TCI functions serving (CMB - GBM & BB) portfolios ‎750 Corp. cases (as of 31DEC2015) in addition to new to bank & interims

Requirements
Qualifications:
* Bachelor's Degree in business administration, finance or any relative major.
Experience:
* Exposure to lending businesses (Corporate , BB , RBMW) and credit risk management.
* Working across all levels of the organisation to understand cross-functional linkages and interdependencies
* Professional expertise which helps to determine solutions around appropriate job measures & processes, risk monitoring and management.
* Understanding of different industries related business cycles.
Skills:
* Ability to form effective relationships and achieve influence in the organisation.
* Ability to lead staff, fostering a teamwork atmosphere.
* Being Initiative & self -motivated
* Flexibility & adaptability.
* Independent problem solving and analytic skills, computer skills
* Strength of conviction to identify and raise issues and justify concerns to ensure appropriate action is taken.
* Hardworking & the ability to work under pressure,
* Focused to deliver assigned tasks ahead of deadlines.
* Well-cultured , always conversant with latest news, Trusty & Honest.