Credit Analyst (Wholesale Banking)
Role Overview
Provide operational and analytical support for wholesale-banking credit proposals and applications.
Monitor portfolio credit quality and review risks in accordance with internal policies, QCB guidelines, and applicable regulations.
Analyze customer strengths and weaknesses, recommend actions, identify policy deviations, and prepare or review periodic portfolio reports.
Key Skills for This Role
Full Job Posting
Role objective
Provide operational and analytical support for wholesale-banking credit proposals and applications.
Monitor portfolio credit quality and review risks in accordance with internal policies, QCB guidelines, and applicable regulations.
Analyze customer strengths and weaknesses, recommend actions, identify policy deviations, and prepare or review periodic portfolio reports.
Responsibilities
- Prepare credit proposals, interpret financial information, identify risk factors, recommend credit enhancements, and provide recommendations.
- Monitor portfolio credit quality and periodically identify, measure, control, and review inherent risks.
- Assess customer creditworthiness using relevant information about strengths, weaknesses, and historical performance.
- Complete and periodically update internal credit ratings and RAROC for lending clients.
- Review credit files for completeness and consistency with credit approvals, policies, and requirements; identify and report deficiencies.
- Coordinate clarifications and corrections to complete applications within turnaround times.
- Verify submission of credit-processing documents, including commercial registrations.
- Respond to or escalate customer and Compliance queries within assigned authority.
- Coordinate with Risk Management on new and renewed limits and related matters.
- Prepare or review annual and quarterly portfolio reports and follow applicable policies and regulations.
Qualifications and experience
- University degree in business, banking, finance, or another related discipline.
- A master’s degree in management or another related discipline is an added advantage.
- 5–8 years of financial-services or banking-industry experience in a relevant area.
- Credit-analysis experience and strong understanding of the local banking industry.
- Fluency in Arabic and English.
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