Job Summary:
Preparation of the credit study for real estate finance files for medium-income clients (self-employed/freelancers - diverse/various categories
Job Responsibilities:
- Receive all mortgage finance applications submitted by branches or digital channels.
- Review and analyze the documentation for each request in accordance with product parameters and established guidelines.
- Ensure full completion and verification of all required paperwork and supporting documents for the file under study.
- Verify the applicant's intent to obtain a mortgage through phone verification (tele-investigation) and confirm the authenticity of the submitted documents.
- Assess the financial eligibility of clients based on submitted income criteria, maximum permissible Debt-to-Income (DTI) ratios, and applicable regulatory limits.
- Prepare comprehensive credit studies for all mortgage cases in strict compliance with the bank's internal credit policies, Central Bank of Egypt (CBE) regulations, and approved product programs.
- Issue the credit memorandum and final credit decision for each case following formal approval from the authorized credit committees.
- Apply creditworthiness and financial evaluation standards to all applicants seeking real estate financing.
Job Qualifications:
- Bachelor’s degree in commerce, Business Administration, or an equivalent degree from an accredited Egyptian university.
- Certifications: Must have successfully completed the mandatory training courses provided by the Financial Regulatory Authority (FRA) and the Egyptian Mortgage Federation (EMF).
- Experience: Minimum of 3 years of practical experience in Credit Analysis and Real Estate Finance (Mortgage).
