Performing the process of investigating and inquiring about prospective new and existing clients of the company and preparing timely Credit Reports necessary to verify the client’s creditworthiness to ensure the clients; eligibility for SMEs services.
Responsibilities- Conduct credit assessments for prospective SME clients to evaluate their creditworthiness and ensure the protection of the company’s financial interests.
- Review and screen client documents received from the Business Team to ensure compliance with credit requirements and identify any missing documentation.
- Analyze and spread SME clients’ financial statements to assess financial performance, cash flow, repayment capacity, and eligibility for Credit facilities
- Review clients’ legal and corporate documents to ensure completeness and compliance with applicable FRA regulations and internal credit policies.
- Conduct credit calls with the Business Team to understand the client’s business activities, financing requirements, and proposed transaction structure.
- Participate in client meetings and site visits, where required, to assess business operations, assets, revenue streams, supplier relationships, and overall financial position.
- Analyze clients’ business models, financial statements, and projections to evaluate business sustainability, liquidity, leverage, and debt-servicing capacity.
- Conduct SME industry and market analysis, including SWOT analysis, competitive positioning, growth prospects, market risks, and foreign exchange exposure, to support credit decisions and determine appropriate financing terms.
- Prepare Credit Approval Memorandums (CAMs), in coordination with relevant departments, detailing the client background, facility type, financed amount, tenure, pricing, repayment frequency, financing percentage, fees, proposed terms and conditions, and asset conversion cycle.
- Assess the suitability of proposed financing structures and repayment schedules based on the client’s financial position, business cash flow, and risk profile.
- Coordinate with the Compliance Department to obtain the required compliance assessments and AML reports for prospective SME clients.
- Coordinate with the Legal Department to obtain legal opinions on relevant collateral and real estate assets, where applicable.
- Prepare and maintain complete credit assessment packages, including: • Credit Approval Memorandum (CAM). • Financial spreading. • Client creditworthiness assessment. • Credit investigation report and banking relationship analysis. • AML report and relevant compliance documentation. • Legal opinion and collateral assessment, where applicable.
- Ensure the accuracy, completeness, and proper documentation of credit assessments in accordance with internal policies, delegated approval authorities, and applicable regulatory requirements.
- Bachelor’s degree in business, or Accounting.
- 1-3 years of experience in banking or NBFI
- Communication & Interpersonal Skills
- Negotiation Skills
- Analytical Skills
- Attention to details
- Writing Skills
- Credit Course is a plus
- Strong Command of English
Beltone Holding is a leading pan-African group headquartered in Egypt, with operations spanning eight countries across North and Sub-Saharan Africa. Empowering growth across every market it serves, Beltone offers a diversified and integrated platform of businesses including leasing and factoring, mortgage finance, consumer finance, MSMEs, microfinance, asset management, securities brokerage, investment banking, private equity, venture capital, data science and AI solutions, as well as HR consultancy, recruitment, talent management, and tailored learning and development programs. Through its digital-led platform, the group provides savings services, and mobile payment solutions, reinforcing its commitment to financial inclusion and sustainable growth across the African continent.
Skills Required
- Bachelor’s degree in Business or Accounting
- 1–3 years of experience in banking or non-bank financial institutions
- Communication and interpersonal skills
- Negotiation skills
- Analytical skills
- Attention to detail
- Writing skills
- Strong command of English
- Credit course
What We Do
Beltone Holding is an Egypt-headquartered pan-African financial group operating across eight countries in North and Sub-Saharan Africa. It offers an integrated range of services spanning leasing and factoring, mortgage and consumer finance, microfinance, asset management, brokerage, investment banking, private equity and venture capital. The group also provides data science and AI, HR consulting and talent services, plus digital savings and mobile-payment solutions intended to advance financial inclusion and sustainable growth.
