Senior Credit Analyst Underwriter - Business Asset Finance

Overview

Senior Credit Analyst Underwriter - Business Asset

Job Purpose

• The role of the Job Holder is to underwrite SME credit applications, with focus on Business Banking Asset Finance (BAF), Trade, Working Capital, and Secured Lending (Mortgage/LAP), in line with the BAF Credit Policy of the Bank.
• The Job Holder will analyse, structure and recommend credit proposals, including trade and working capital facilities, and identify/handle deviations for escalation in accordance with the Bank’s delegation matrix.
• The role is primarily focused on detailed credit analysis, validation, and preparation of credit recommendations, with limited involvement in structuring or independent decision-making.

Job Responsibilities

• Underwrite SME credit proposals for
• standard and moderately complex cases
• , across business loans, trade & working capital, and secured lending
• Underwrite SME credit proposals across business loans, trade & working capital, and secured lending
• Analyse borrower financials to support assessment of cashflows, repayment capacity, leverage, and working capital cycles
• Evaluate cash conversion cycle, receivable/payable ageing, and inventory turnover
• Perform validation of financials and data using bank statements, AECB, audited financials, and scorecard inputs (MRA/Credit Lens, financial spreading)
• Assess trade-linked exposures and perform basic validation of trade flows and supporting documentation (invoice/shipping/transport records)
• Identify risk indicators, inconsistencies, and potential fraud signals
• Provide
• analytical support and recommendations
• , with escalation of cases for review and approval by higher authorities
• Prepare structured credit notes with clear recommendations
• Ensure quality and accuracy of underwriting in adherence to credit policies
• Maintain productivity standards and TAT/SLA compliance
• Initiate field visits/valuations where required to validate business operations and/or collateral.
• Ensure completion of cases within prescribed TAT and full adherence to SLA with Business Group.
• Provide timely responses to queries from Business/Branches and
• seek clarifications to ensure completeness of proposals.
• Adhere to all Operational Risk Guidelines and credit policies governing underwriting
• Ensure compliance with processes and documentation requirements in all cases handled
• Support closure of audit observations within defined timelines.

Skills

• Minimum of a Bachelor’s Degree
• Strong working knowledge of business software applications, particularly spreadsheets.
• Exposure to
• SME credit, trade, or working capital assessment
• desirable.
• 4–6 years of SME underwriting experience, including exposure to business loans, trade/working capital facilities, and secured lending (Mortgage/LAP)
• Written and spoken English – Arabic preferred
• Good understanding of banking operations, Bank policies, procedures, guidelines, statutory requirements, market conditions.
• Hands-on experience in:
• Financial analysis
• Cashflow assessment
• Basic understanding of trade cycles and SME business models