Credit Analyst

Overview

Credit Analysis

• Analyze corporate credit proposals, financial statements, and business performance.
• Assess borrowers' creditworthiness using financial ratios, cash flow analysis, and industry benchmarks.
• Prepare detailed credit appraisal reports with clear recommendations.
• Evaluate repayment capacity, profitability, liquidity, leverage, and cash flow adequacy.
• Identify key credit risks and recommend appropriate mitigation measures.

Financial & Risk Assessment

• Conduct financial analysis, including ratio analysis, cash flow analysis, DSCR, leverage, liquidity, and stress testing.
• Assess industry trends, market conditions, and macroeconomic factors affecting credit quality.
• Evaluate the financial impact of proposed lending structures and identify potential risks.

Credit Proposal Evaluation

• Review and assess proposals related to Corporate Banking, Mid-Corporate Lending, Contract Finance, Real Estate Finance, Trade Finance, and Factoring.
• Ensure all credit proposals comply with internal credit policies and regulatory requirements.
• Support the approval process by preparing comprehensive credit recommendations.

Portfolio Monitoring

• Monitor the performance of existing credit facilities and identify early warning signals.
• Review periodic financial statements and covenant compliance.
• Recommend corrective actions for deteriorating credit exposures.
• Support periodic portfolio reviews and risk assessments.

Policy & Compliance

• Ensure compliance with the Bank's credit policies, risk framework, and regulatory guidelines.
• Maintain complete and accurate credit documentation.
• Support internal and external audit requirements.
• Participate in credit policy enhancement and process improvement initiatives.

Stakeholder Management

• Work closely with Relationship Managers to structure appropriate lending solutions.
• Coordinate with Risk, Legal, Operations, and Compliance teams throughout the credit approval process.
• Provide timely credit support while maintaining independent credit judgment.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
• Professional qualifications such as CA, CPA, CFA, MBA, CIMA, or equivalent are preferred.
• Credit Risk or Banking certifications from recognized professional institutions are an advantage.

Experience

• Minimum 5 years of experience in Corporate Banking and Corporate Credit functions.
• At least 2–3 years of experience in credit analysis and financial assessment.
• UAE or GCC banking experience is highly preferred.
• Experience evaluating Corporate Banking, Mid-Corporate, Contract Finance, Real Estate Finance, Trade Finance, and Factoring proposals.

Skills & Competencies

• Strong financial statement analysis and credit assessment skills.
• Sound knowledge of corporate lending products and credit risk management.
• Strong understanding of GCC corporate markets, industries, and economic trends.
• Knowledge of banking regulations, credit policies, and risk management frameworks.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong report writing and credit proposal preparation skills.
• Ability to work under pressure and meet tight deadlines.
• Strong communication and stakeholder management skills.
• Proficiency in Microsoft Excel, Word, and PowerPoint.

Preferred Candidate Profile

• Candidates aged between 30–40 years are preferred.
• UAE or GCC banking experience is highly desirable.
• Experience in credit transformation projects, policy development, or process improvement initiatives will be an advantage.