كريم بدر

# Corporate Support and Credit Analysis Officer (CSCAO)

## Job Information

**Job Title:** Corporate Support and Credit Analysis Officer (CSCAO)
**Department:** Corporate Support and Credit Studies for Companies
**Work Location:** Commercial Relations Center - South Region
**Reports To:** South Region Manager

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## Job Purpose

To provide support in managing corporate accounts, conducting credit assessments and analyses for corporate clients, and preparing professional recommendations regarding financing requests in accordance with the Bank’s policies, procedures, and directives issued by Head Office.

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## Key Responsibilities

* Receive financing applications submitted by clients through account managers, ensuring that all required documents and supporting records are attached.

* Verify the accuracy, completeness, and reliability of the information, data, and documents provided, while assessing the client's financing needs and repayment capacity.

* Conduct client meetings, field visits, and business reviews to gain a comprehensive understanding of the client’s operations, activities, and financial position.

* Analyze financing requests and coordinate closely with the Financing and Credit Department, as well as the Bank’s legal advisors, regarding credit facilities and financing arrangements.

* Assess and analyze customer risk profiles, including banking relationships and dealings with other financial institutions, to identify any adverse indicators or potential risks.

* Review and evaluate account activity and transaction movements with the Bank and other financial institutions to detect unusual or unfavorable patterns.

* Examine and validate financial information contained in balance sheets, financial statements, and cash flow reports, utilizing appropriate references and analytical tools to derive indicators that support sound credit decisions.

* Evaluate collateral and guarantees submitted against requested financing facilities, ensuring proper documentation, legal validity, accurate valuation, and ease of transferability in favor of the Bank.

* Prepare and submit comprehensive credit studies and recommendations to the Financing and Credit Department, while responding to additional inquiries and requests for supporting information required for decision-making.

* Provide the Financing Department with all necessary customer documentation related to financing files for renewals, amendments, cancellations, or facility enhancements, and obtain any additional guarantees or documents required as a result of approved changes.

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## Core Competencies

* Credit Analysis & Risk Assessment
* Financial Statement Analysis
* Corporate Banking Operations
* Cash Flow Evaluation
* Collateral Assessment
* Due Diligence & Compliance
* Relationship Management
* Report Writing & Recommendation Preparation
* Financial Data Interpretation
* Credit Decision Support

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