Senior Credit Analyst Underwriter - Business Asset Finance

Role purpose

Credit assessment and underwriting

• Underwrite standard and moderately complex SME proposals across business loans, trade and working capital, and secured lending.
• Assess cash flows, repayment capacity, leverage, working-capital cycles, cash conversion, receivable and payable ageing, and inventory turnover.
• Validate financials and data using bank statements, AECB, audited financials, scorecard inputs, MRA/Credit Lens, and financial spreading.
• Validate trade flows and supporting invoice, shipping, and transport records; identify inconsistencies, risk indicators, and potential fraud signals.
• Prepare structured credit notes and recommendations and escalate cases for review and approval by higher authorities.

Controls and case delivery

• Ensure underwriting quality and accuracy in line with credit policies, operational risk guidelines, processes, and documentation requirements.
• Meet productivity standards and turnaround-time and service-level requirements, completing cases within prescribed timelines.
• Initiate field visits or valuations when required to validate business operations or collateral.
• Respond to Business and Branch queries and seek clarifications to complete proposals.
• Support closure of audit observations within defined timelines.

Qualifications and experience

• Minimum bachelor’s degree.
• 4–6 years of SME underwriting experience, including business loans, trade or working-capital facilities, and secured lending (Mortgage/LAP).
• Strong working knowledge of business software applications, particularly spreadsheets.
• Written and spoken English; Arabic is preferred.
• Good understanding of banking operations, bank policies, procedures, guidelines, statutory requirements, and market conditions.
• Hands-on financial analysis and cash-flow assessment; basic understanding of trade cycles and SME business models.
• Exposure to SME credit, trade, or working-capital assessment is desirable.