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assem_sawaf

Assem Sawaf

@assem_sawaf

Credit Risk analyst

Egypt
English
About me
Credit risk analyst with a banking background and a Bachelor’s in Accounting (English section), graduated Very Good with Honors. I assess company financials every day: income statement, balance sheet, cash flow, working capital, liquidity, leverage and repayment capacity. I help small business owners and startups understand their real financial position and see their numbers the way a lender would. Clear Excel analysis, plain English summary, and honest feedback on the risks.... Read more

Skills

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assem_sawaf
Assem Sawaf
Offline • 

See my services

Risk Management
I will help small business owners and startups understand real financial position
From$25 / projectMore details

Work experience

credit risk analyst

Banks • Full-time

Oct 2025 - Present • 1 yr

• Perform comprehensive credit risk analysis for corporate and business clients, primarily SMEs and Specialized Banking Programs, applying program-specific credit parameters, eligibility criteria, risk policies, and lending requirements. • Analyze borrowers’ Accounting, Financial Statements, FSA, financial ratios, cash flows, working capital, business performance, and industry profile. • Assess key credit risk factors, repayment capacity, financial strength, and overall creditworthiness of borrowers. • Integrate financial, business, industry, and risk analysis to evaluate applications against defined program parameters and lending requirements. • Support well-founded credit assessment and lending decisions across a diverse portfolio of SME and Specialized Program cases.