Credit Analyst

Overview

Description

Requirements

• Bachelor's degree in Finance, Economics, Accounting, Mathematics, or a related quantitative field
• 3+ years of experience in credit analysis or risk assessment at a bank, rating agency, Fintech, or Specialized finance firm.
• Strong grasp of financial statement analysis, ratio analysis, and corporate credit fundamentals
• Excellent analytical and quantitative skills
• Excellent communication and report-writing abilities in English; Arabic preferred
• Advanced proficiency in Excel and MS Office; exposure to SQL, Python, or R is a plus

Roles And Responsibilities

• Conduct buyer credit analysis on government entities, listed corporates, and large private buyers by evaluating financial statements, credit data, and market intelligence
• Review invoices and supporting documentation for eligibility, concentration, and dilution risk
• Prepare detailed credit reports, risk assessments, and credit memos to support underwriting decisions
• Recommend approval limits, tenors, and advance rates to the Credit Committee
• Build and maintain credit models, exposure dashboards, and portfolio monitoring tools
• Monitor existing credit accounts and ongoing portfolio performance, including watchlists and early warning indicators
• Collaborate with sales and risk management teams to develop and refine credit policies
• Contribute to bank submissions and ensure each transaction package meets internal and external requirements
• Ensure compliance with company credit policies, procedures, and regulatory standards

Benefits

• Competitive salary package
• Health insurance coverage
• Opportunities for professional growth
• Supportive work environment
• Paid leave and holidays

Skills

• Strong analytical and problem-solving skills.
• Excellent attention to detail.
• Effective communication skills.
• Ability to work under pressure and meet deadlines.
• Knowledge of financial regulations and compliance standards.