Credit Analyst - Tangier Business Center - Tanger
Finance / Accounting - Secteur Banking / Finance
- Mid Level (3 to 5 years)
- 1 job(s) in Tangiers and region - Morocco
- Master or PhD Maximum - Bachelor’s Degree - Master
Conventional Respect of the rules Need for objectivity Rationalism Organization
- Permanent contract
- Teleworking : No
Company :
Saham Bank is now a leading financial group, relying on a proven model of universal banking and synergies with its 14 specialized subsidiaries.
Saham Bank has adapted its organization and structure to best meet the expectations of all its clients: Large Companies, Institutional Investors, SMEs/SMIs, Individuals, and Professionals, by covering all areas of activity and offering a wide range of complementary services.
In Morocco, Saham Bank is driven by a corporate project aiming to make our bank "The reference relationship bank in its markets, close to its clients, chosen for the quality and commitment of its teams".
Nearly 4000 employees are currently driven by this same ambition, supported by 4 key values: Team Spirit, Commitment, Responsibility, and Innovation.
WHY CHOOSE US?
At Saham Bank, we are convinced that people are the drivers of change, and that tomorrow's world will be shaped by all their initiatives, from the smallest to the most ambitious.
Whether you join us for a few months, a few years, or your entire career, together we have the means to make a positive impact on the future. Creating, daring, innovating, and taking initiative are part of our DNA.
If you also want to be proactive, work in a stimulating and supportive environment, feel useful every day, and develop or strengthen your expertise, we are meant to meet!
Company culture :
Job :
The Credit Analyst is responsible for the renewal of credit files within their scope, respecting the smoothing schedule, as well as the development of all credit files.
The credit analyst's missions are as follows:
Regarding counterparty risk:
Before taking on risk:
• Develops the credit files assigned to them, ensuring the quality and regularity of the file and compliance with credit granting instructions.
• Prepares credit granting and/or renewal files for corporate clients, ensuring their completeness and compliance with procedures. They are responsible for the quality of the files prepared under the authority of the Deputy Director of Risk in charge of the portfolio and commitments, and in consultation with the Business Relationship Manager (BCE).
• Performs financial analysis, with the help of the Business Relationship Manager: quality of information, commercial opportunity, risk, profitability, etc.
• Verifies the status of existing guarantees during renewals and provides an overview for decision-makers.
After taking on risk:
• Ensures compliance with renewal deadlines for credit lines/authorizations in their portfolio and monitors the renewal smoothing schedule.
Regarding administrative and operational aspects:
• Prepares notifications for credit files approved under single-person authority (LAD unipersonnelles).
• Ensures the application of good conduct principles and ethical rules of the Bank in the performance of their duties.
Relationships:
Hierarchical:
• Deputy Director of Risk in charge of the portfolio and commitments.
Functional:
• Business Relationship Manager (BCE)
• Business Center Director
• Regional Director (DR) - Deputy Director of Risk (DRE)
• Regional Risk Director
• Corporate Business Unit Team
External:
• Clients
Required profile :
Technical Skills:
• Good knowledge of the Bank's products (especially loans).
• Mastery of counterparty risk and rating procedures and tools (DCCIT, DELTA, Starweb...).
• Financial analysis.
• Strong writing skills.
Behavioral Skills:
• Rigor.
• Autonomy.
• Critical thinking.
• Analytical skills.
Head office address :
55, bd Abdelmoumen 20 000 Casablanca
Desired personality traits :
Conventional Respect of the rules Need for objectivity Rationalism Organization
Here you can find a recommendation rate for this vacancy, as well as information on how to promote your application. Log in / Register to view this personalised information.
ReKrute offers you this new personality test to help you get to know yourself better and make the most of your applications. Take it now, it only takes 5 minutes maximum.
