Credit Analyst - Financial and Credit Risk Assessment

DiceTek UAE; Dubai; On-site; AED 100,000 - 180,000; Full time

Job summary

Dicetek LLC in Dubai seeks a Credit Analyst for a six-month contract to evaluate client creditworthiness through financial statement analysis, cash flow reviews and ratio analysis. You will support risk assessment and credit reporting, producing structured reports and recommendations. Strong analytical and numerical skills are essential, with CA qualification preferred.

The role is an on-site, full-time position in the banking sector, with a six-month contract duration and no disclosed salary.

Qualifications

• Bachelor's degree in Finance, Accounting or related field.
• CA qualification preferred.
• Relevant credit/financial analysis experience is required.
• Experience analyzing financial statements and evaluating performance.
• Ability to prepare credit analysis reports.

Responsibilities

• Analyse client financial statements to assess creditworthiness.
• Review balance sheets, income statements and cash flow reports.
• Evaluate financial performance and identify risk factors.
• Conduct financial ratio analysis to support credit evaluations.
• Prepare structured credit assessment reports and recommendations.

Skills

Analytical thinking

Attention to detail

Numerical reasoning

Financial reporting

Written communication

Problem solving

Education

Bachelor's degree in Finance/Accounting

Chartered Accountant (CA)

Tools

Microsoft Excel

Financial analysis tools

Job description

Credit Analyst - Financial and Credit Risk Assessment Job Snapshot - Role: Credit Analyst - Location: Dubai, United Arab Emirates - Industry: Banking - Function: Credit Review-Analysis - Experience: Relevant experience in credit analysis, financial analysis or credit risk assessment; years not specified - Job Type: Full Time - Work Arrangement: On-site

Position Overview

Dicetek LLC is seeking a Credit Analyst with a strong finance and accounting background for a six-month contract opportunity in Dubai, United Arab Emirates. The role focuses on evaluating client creditworthiness through financial statement analysis, credit risk assessment and the review of repayment capacity. The successful candidate will examine financial information, assess potential credit risks and prepare structured credit assessment reports to support informed credit decisions. Candidates should have practical experience in credit analysis, financial evaluation or credit risk assessment, supported by strong analytical and numerical skills. A Chartered Accountant (CA) qualification is preferred.

Job Details

Country: United Arab Emirates - City: Dubai - Industry: Banking - Function: Credit Review-Analysis - Salary: Not disclosed - Gender: No Preference - Candidate Nationality: Not specified - Job Type: Full Time - Work Arrangement: On-site - Contract Duration: 6 months

Key Responsibilities

Financial Statement Analysis

• Analyse client financial statements to assess financial position and creditworthiness.
• Review balance sheets, income-related financial information and cash flow reports.
• Evaluate financial performance and identify factors affecting financial stability.
• Conduct financial ratio analysis to support credit evaluations.
• Interpret financial information to identify potential risks associated with lending decisions.

Credit Assessment and Evaluation

• Review credit applications and supporting financial documentation.
• Assess client repayment capacity based on available financial information.
• Evaluate existing financial obligations and their potential impact on repayment ability.
• Analyse relevant financial indicators to determine the level of credit risk.
• Support credit assessment activities through accurate financial analysis and evaluation.

Credit Risk Identification

• Identify potential financial risks arising from client financial conditions and existing obligations.
• Evaluate credit risk factors using financial statements, ratios and repayment information.
• Highlight financial weaknesses or concerns that may affect creditworthiness.
• Ensure credit assessments consider applicable credit policies and procedures.
• Provide analytical findings to support appropriate credit risk evaluation.

Credit Reporting and Recommendations

• Prepare credit assessment reports based on financial analysis and supporting information.
• Document key financial findings, credit risk considerations and repayment capacity assessments.
• Develop clear recommendations supported by financial evidence.
• Present relevant financial information in a structured and understandable format.
• Maintain accuracy and consistency in credit analysis documentation.

Credit Policy Compliance

• Conduct credit assessment activities in accordance with applicable credit policies and procedures.
• Review financial information for consistency with established credit evaluation requirements.
• Identify potential credit-related concerns requiring further consideration.
• Support reliable and compliant credit assessment practices through careful financial review.

Educational Qualifications

• Bachelor 's degree in Finance, Accounting or a related field.
• Chartered Accountant (CA) qualification is preferred.

Required Experience

• Relevant professional experience in credit analysis, financial analysis or credit risk assessment.
• Experience reviewing financial statements and evaluating financial performance.
• Understanding of creditworthiness assessment and financial risk evaluation.
• Ability to analyse repayment capacity and existing financial obligations.
• Experience preparing financial analysis or credit assessment reports.

Technical Skills

• Strong knowledge of financial statements, including balance sheets and cash flow reports.
• Proficiency in financial ratio analysis and credit evaluation.
• Understanding of credit risk assessment principles.
• Ability to interpret financial data and identify potential credit risks.
• Proficiency in Microsoft Excel.
• Familiarity with financial analysis tools.
• Strong numerical and analytical capabilities.
• Effective financial report-writing skills.

Professional Competencies

• Strong analytical thinking and attention to financial detail.
• Ability to evaluate complex financial information accurately.
• Sound numerical reasoning and financial interpretation skills.
• Effective problem-solving abilities.
• Clear written communication and reporting skills.
• Ability to develop evidence-based credit assessment recommendations.
• Understanding of the importance of compliance with credit policies and procedures.

Contract Information

This position is offered on a six-month contract basis. The successful candidate will support credit assessment and financial analysis activities during the contract period, contributing to the evaluation of client creditworthiness, identification of financial risks and preparation of credit recommendations.

Ideal Candidate Profile

The ideal candidate is a finance professional with practical experience in credit evaluation and financial risk assessment. The role requires someone who can independently review financial statements, interpret financial ratios, assess repayment capacity and prepare accurate credit assessment reports. A strong accounting foundation, proficiency in financial analysis tools and the ability to identify credit risks will be important for success in this position. Candidates holding a Chartered Accountant qualification are particularly encouraged to apply, although the qualification is preferred rather than mandatory.