Financial Credit Analyst

About the role

Requirements

• Skills and competencies:
• - University degree in Business Administration / Economics / Banking and Finance / Statistics or any related discipline.
• - Work experience of at least (1) year in the field of credit/data analysis in banks or related institutions.
• - Possess analytical abilities that can use the best statistical and mathematical tools in addition to good abilities in quantitative calculations and knowledge of (stress tests, Basel, credit / market / operational / liquidity risk)
• - Full knowledge of English.
• - Competent use of computers and handling various application systems.
• - Good knowledge of services and products provided by the Bank.
• - Full knowledge of the policies and procedures that govern work and their internal and external updates.
• - Ability to work under pressure.
• - Ability to communicate and interact well with others.
• - Ability to plan and organize.
• - Analytical capabilities.
• - Ability to work effectively in a team.

Responsibilities

• - Conduct data analysis regarding transactions on credit facility applications received by the Department. Substantiate recommendations for use by Bank stakeholders to make decisions on new loans/investments, renewal, amendment and structuring of existing loans/investments.
• - In-depth analysis of available data, in a manner that develops effective and efficient risk identification, assessment and measurement, on all credit decisions.
• - Provide decision-makers with accurate numbers, information, data and analysis to ensure sound credit decisions that achieve the Bank's objectives.
• - Review/analyze credit information and any matters related to credit reports, so that they include studying the conditions of the economic sector / financial solvency and continuity / status of mortgages and guarantors etc.
• - Prepare detailed credit reports on the position of borrowers, including their credit status, repayment capabilities, potential risk of default, and interest of establishing/maintaining relationships with them etc. Submit observations to the direct supervisor.
• - Provide all data and reports to relationship managers and direct manager as soon as requested for the purposes of facilitating the decision-making process and developing recommendations.
• - Contribute to the analysis of estimated cashflows by preparing necessary reports and providing the direct manager with all necessary data and information.
• - Inform the direct supervisor of all developments, events and economic reports on the status of market sectors, credit portfolios, clients.
• - Provide the necessary support for all projects related to companies’ business, in addition to providing those concerned with any data / reports / information needed.

Skills

• Credit analysis
• Data analysis
• Financial solvency assessment
• Risk identification and measurement
• Cash flow analysis
• Stress testing
• Basel framework knowledge
• Credit/report preparation
• English proficiency
• Computer literacy