Credit Assessment Specialist

Khalifa Fund | صندوق خليفة; Abu Dhabi; Presencial; AED 180.000 - 300.000; Jornada completa

Descripción de la vacante

Khalifa Fund | صندوق خليفة is seeking a Credit Assessment Specialist to evaluate SME financing applications. The role focuses on assessing creditworthiness, analyzing financial data, and providing risk-adjusted recommendations that align with approved policies and regulatory requirements.

The ideal candidate will have a Bachelor’s degree in a relevant field, advanced credit analysis credentials such as CBCA, and at least 3 years of experience in credit analysis or risk management.

Formación

• Bachelor's degree in Finance, Business Administration, Accounting, Economics or related field.
• CBCA certification preferred for advanced credit analysis.
• Strong knowledge of credit analysis, financial analysis and risk assessment principles.
• Experience reviewing and interpreting financial statements and performance metrics.
• Knowledge of financing practices, lending principles and credit risk management.
• Excellent report writing, analytical and problem-solving abilities.

Responsabilidades

• Conduct credit assessments and evaluate SME financing applicants.
• Analyze financial statements, cash flow projections and business plans.
• Assess financing risks for new businesses, expansions, and proposals.
• Prepare comprehensive credit assessment reports with recommendations.
• Apply approved credit evaluation methodologies and risk models.
• Ensure compliance with internal policies and regulatory requirements.
• Maintain documentation of all credit assessments and recommendations.
• Collaborate with internal stakeholders to ensure effective evaluation.
• Contribute to enhancement of credit assessment standards and risk practices.
• Support initiatives to improve financing quality and minimize credit risks.
• Perform other duties as assigned by the direct manager.

Educación

Bachelor's degree in Finance, Business Administration, Accounting, Economics

CBCA (Certified Banking & Credit Analyst)

Credit analysis

Financial analysis

Risk assessment

Report writing

Stakeholder management

Attention to detail

Collaboration & teamwork

Customer focus

Innovation & continuous improvement

Descripción del empleo

About the Role

We are seeking a detail-oriented and analytical Credit Assessment Specialist to evaluate financing applications from Small and Medium Enterprises (SMEs). The successful candidate will be responsible for assessing creditworthiness, analyzing financial information, evaluating business risks, and providing recommendations that support sound financing decisions while ensuring compliance with approved policies and regulatory requirements.

Key Responsibilities

• Conduct credit assessments and evaluate the creditworthiness of SME financing applicants.
• Analyze financial statements, cash flow projections, business plans, and supporting documentation.
• Assess financing risks associated with new businesses, expansion projects, and financing proposals.
• Prepare comprehensive credit assessment reports and provide recommendations to support decision-making.
• Apply approved credit evaluation methodologies, frameworks, and risk assessment models.
• Ensure compliance with internal policies, procedures, and applicable regulatory requirements.
• Maintain accurate documentation and records of all credit assessments and recommendations.
• Collaborate with internal stakeholders to ensure a comprehensive and effective evaluation process.
• Contribute to the continuous enhancement of credit assessment standards, methodologies, and risk management practices.
• Support initiatives aimed at improving financing quality and minimizing credit-related risks.
• Perform any other duties assigned by the direct manager.

Qualifications

• Bachelor's degree in Finance, Business Administration, Accounting, Economics, or a related field.
• Professional certification such as CBCA (Certified Banking & Credit Analyst) is preferred.
• Strong understanding of credit analysis, financial analysis, and risk assessment principles.
• Experience in reviewing and interpreting financial statements and business performance metrics.
• Knowledge of financing practices, lending principles, and credit risk management.
• Strong report writing, analytical, and problem-solving skills.

Experience

• Minimum of 3 years of relevant experience in credit assessment, credit analysis, lending, risk management, or a related field.
• Experience in SME financing or financial institutions is an advantage.

Core Competencies

• Credit Analysis
• Financial Analysis
• Risk Assessment & Management
• Decision-Making
• Report Writing
• Stakeholder Management
• Attention to Detail
• Collaboration & Teamwork
• Customer Focus
• Innovation & Continuous Improvement

Language Requirements

• Arabic: Fluent
• English: Advanced