At EY, you’ll have the chance to build a career as unique as you are, with the global scale, support, inclusive culture and technology to become the best version of you. And we’re counting on your unique voice and perspective to help EY become even better, too. Join us and build an exceptional experience for yourself, and a better working world for all. 

 

 

 

 

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

 

EY | Building a better working world 

 
EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets.  

 
Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate.  

 
Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.