Credit Analyst, Commercial Banking Credit - Corporate Banking Credit

Job purpose

Preliminary review and assessment

• Review initial credit applications for complete, valid documentation, information, and approvals; coordinate with the Relationship Team to resolve gaps or inconsistencies.
• Analyze financials, cash flows, borrowing position, business profile, industry dynamics, management quality, repayment capacity, and proposed facility structure.
• Assess risks, mitigants, policy compliance, delegated authority, and risk appetite; prepare balanced credit recommendations, conditions, and covenants.
• Conduct customer or site visits to develop an independent understanding of businesses and operating risks.

Portfolio monitoring and follow-up

• Support periodic reviews, renewals, and monitoring of financial performance, account conduct, covenants, excesses, arrears, and documentation exceptions.
• Identify early warning signals and escalate material deterioration, adverse developments, and policy breaches to the Line Manager.
• Follow up on approval conditions, deferrals, and action points with Coverage, CAD, and other stakeholders.

Process and collaboration

• Maintain credit records, trackers, and management information; support Credit Committee submissions and reporting.
• Coordinate with Coverage, CAD, Risk, Legal, Compliance, and other functions for timely and controlled credit processing.
• Contribute to process improvements, portfolio reviews, and other assignments allocated by the Line Manager.

Qualifications and experience

• Bachelor's degree in Commerce, Finance, Accounting, Economics, or a related discipline.
• 3 to 5 years of relevant experience in corporate or commercial banking credit analysis, credit underwriting, relationship support, or a similar banking role.
• Good written and verbal communication skills in English.
• MBA, CA, ACCA, CFA, or equivalent professional or postgraduate qualifications are advantageous; Arabic is also advantageous.