Credit Analyst

Confidential Company; Dubai; On-site; AED 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a detail-oriented Credit Analyst to conduct comprehensive financial analyses and assess borrower creditworthiness. This role involves preparing detailed credit reports, monitoring credit portfolios, and collaborating with loan officers to facilitate informed decision-making. The ideal candidate will have a strong background in financial analysis, risk assessment methodologies, and excellent communication skills. Join a dynamic team where your analytical insights will directly impact lending practices and contribute to the company's success in navigating market trends and regulatory changes.

Qualifications

• 2-5 years of experience in credit analysis or underwriting.
• Strong understanding of credit scoring systems and risk assessment.

Responsibilities

• Conduct financial analysis to assess borrower creditworthiness.
• Prepare credit reports summarizing findings and risks.

Skills

Credit Assessment

Financial Analysis

Quantitative Analysis

Communication Skills

Problem-Solving

Education

Bachelor's Degree in Finance or related field

Tools

Advanced Excel

Financial Modeling Tools

Job description

• Conduct comprehensive financial analysis of potential borrowers to assess creditworthiness, utilizing advanced modeling techniques and industry benchmarks.
• Prepare detailed credit reports that summarize findings, highlighting risks and recommending terms for credit approval.
• Monitor existing credit portfolios, identifying early warning signs of default and proposing action plans to mitigate risks.
• Collaborate with loan officers and underwriting teams to facilitate informed decision-making based on your analytical insights.
• Stay updated on market trends and regulatory changes that could impact credit risk assessment and lending practices.
• Utilize credit scoring models and statistical tools to predict borrower behavior and assess the likelihood of default.
• Engage in thorough due diligence processes, including reviewing financial statements, tax returns, and cash flow projections.

Desired Candidate Profile

• Good sense on credit assessments
• At least 2-5 years of experience in credit analysis or underwriting, preferably within banking or financial services.
• Proven experience in evaluating financial statements and conducting quantitative analysis using advanced Excel and financial modeling tools.
• Strong understanding of credit scoring systems and risk assessment methodologies in various industries.
• Strong communication skills, both written and verbal, enabling effective interaction with clients and team members.
• Detail-oriented mindset with a high level of accuracy in financial analysis and reporting.
• A proactive approach to problem-solving, with the ability to work independently and in a team-oriented environment.