SME Credit Underwriter Agent

Review and evaluate SME loan applications submitted by Loan Officers or Digital Finance Teams. Assess borrowers’ financial profiles by analyzing income statements, balance sheets, cash flows, and other relevant documents. Verify borrower information through phone calls, site visits, and business background checks as needed. Analyze credit reports (e.g., I-Score, Fawry Score, transaction history) to evaluate credit behavior and risk profile. Ensure compliance with credit risk policies, underwriting standards, and relevant regulations during the assessment process. Provide accurate and well-justified credit recommendations to support loan approval decisions. Maintain the confidentiality and security of all borrower data and business information. Identify and escalate suspicious applications or fraudulent activities. Collaborate with Loan Officers to improve application quality and ensure complete and accurate documentation. Contribute to continuous improvement of credit underwriting processes and risk assessment tools. Requirements University Degree, Bachelor of Economic, Finance or commerce. 1-3 years of experience in financial analysis or credit underwriting. Prior exposure to banking, microfinance, or SME lending is preferable