Mentalla Ashraf

Ensure that all lending decisions made by retail credit underwriters
holding discretions comply with Business/Personal Sector policy
guidelines and advances procedures in line with the Retail Credit &
Risk Governance Manual.
• Prepare monthly report of the errors of the assessors in order to
develop their performance.
• Validate all documents presented with final decision.
Conducted credit risk assessments for customers applications,
evaluating applicant financial data and repayment capacity and
document validation using Neos digital workflow system.
• Embedded Central Bank of Egypt compliance criteria into Neos
scoring algorithms to ensure risk-adjusted credit approvals aligned
with local regulations.
• Prepared risk assessment reports for senior management,
highlighting trends in application quality and recommending
workflow refinements.

Processed retail credit applications by validating customer
documentation, income sources, and employer categorization for
risk compliance.
• Assessed creditworthiness using credit bureau reports and
delinquency tracking, ensuring adherence to Central Bank of Egypt
debt burden ratio thresholds.
• Designed Excel-based tools to streamline credit limit calculations
and approval workflows, improving team efficiency.
• Collaborated with sales and customer service teams to resolve
application discrepancies and streamline approval workflows.
• Collaborated with Fraud teams to resolve documentation gaps and
reduce rework during application processing.
• Prepared credit memos and updated dual systems to maintain
accurate decision records.