Credit Analyst

To support the Wholesale Banking Group by conducting comprehensive credit analysis financial assessments and risk evaluations for corporate lending proposals. The Credit Analyst will be responsible for preparing high-quality credit recommendations ensuring compliance with the Banks credit policies and supporting sound lending decisions while maintaining portfolio quality.

Key Responsibilities

Credit Analysis

• Analyze corporate credit proposals by evaluating financial statements cash flows and business performance.
• Assess borrowers creditworthiness using financial ratios industry benchmarks and risk assessment methodologies.
• Prepare detailed credit appraisal reports with clear recommendations.
• Evaluate repayment capacity leverage liquidity profitability and cash flow adequacy.

Financial & Risk Assessment

• Conduct comprehensive financial analysis including:
  • Ratio analysis
  • Cash flow analysis
  • Debt Service Coverage Ratio (DSCR)
  • Leverage and liquidity assessment
  • Sensitivity and stress testing
• Identify key credit risks and recommend appropriate mitigation measures.
• Assess industry market and macroeconomic factors impacting credit quality.

Credit Proposal Evaluation

• Review and analyze proposals related to:
  • Corporate Banking
  • Mid-Corporate Lending
  • Contract Finance
  • Real Estate Finance
  • Trade Finance
  • Factoring Facilities
• Ensure all credit proposals comply with internal credit policies and regulatory requirements.
• Support the approval process by providing well-structured credit recommendations.

Portfolio Monitoring

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

Policy & Compliance

• Ensure adherence to the Banks credit policy risk framework and regulatory guidelines.
• Maintain high-quality credit documentation and approval records.
• Support internal and external audit requirements.
• Participate in credit policy enhancement and process improvement initiatives.

Stakeholder Management

• Work closely with Relationship Managers to understand client requirements and structure appropriate lending solutions.
• Coordinate with Risk Legal Operations and Compliance teams during the credit approval process.
• Provide timely support to business units while maintaining independent credit judgment.

Qualifications

• Bachelors 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 23 years of hands-on experience in credit analysis and financial assessment.
• GCC or UAE banking experience is highly preferred.
• Experience evaluating large corporate and mid-corporate lending proposals.

Skills & Competencies

• Strong financial statement analysis and credit assessment skills.
• Sound knowledge of corporate lending products and credit risk management.
• Experience evaluating:
  • Contract Finance
  • Real Estate Finance
  • Trade Finance
  • Factoring
  • Corporate Lending Facilities
• 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.