Credit Analyst

Client of Talentmate; Dubai; On-site; AED 40,000 - 80,000; Full time

Job summary

An established industry player is seeking a Credit Analyst to evaluate the creditworthiness of clients and support lending decisions. This role demands strong analytical skills and a keen eye for detail, as you will analyze financial statements and credit data to assess risk. You will collaborate with various teams to develop credit policies and ensure compliance with regulations. If you have a background in finance or economics and are passionate about financial analysis, this opportunity offers a chance to make a significant impact in the financial services sector.

Qualifications

• 2-4 years of experience in credit analysis or financial services.
• Strong understanding of financial ratios and credit scoring.

Responsibilities

• Analyze financial statements and credit reports of clients.
• Prepare comprehensive credit risk reports and recommendations.

Skills

Analytical Skills

Attention to Detail

Financial Analysis

Communication Skills

Education

Bachelor's degree in Finance

Bachelor's degree in Accounting

Bachelor's degree in Economics

Tools

MS Excel

Financial Modeling Tools

Job description

Bachelor of Commerce (Commerce), Bachelor of Arts (Economics)

Nationality: Any Nationality

Vacancy: 1 Vacancy

Job Description

The Credit Analyst is responsible for evaluating the creditworthiness of individuals or businesses to determine the risk involved in lending money or extending credit. This role involves financial analysis, interpreting credit data, preparing risk assessments, and supporting lending decisions. The ideal candidate should have strong analytical skills, attention to detail, and a sound understanding of financial statements and market conditions.

Responsibilities:

1. Analyze financial statements, credit reports, and payment history of clients.
2. Assess credit data to evaluate credit risk and determine creditworthiness.
3. Prepare comprehensive credit risk reports and recommendations.
4. Monitor existing accounts for credit limit breaches or changes in financial health.
5. Support the development of credit policies and risk mitigation strategies.
6. Collaborate with sales, finance, and legal teams on lending decisions.
7. Conduct industry and market research to support analysis.
8. Assist in setting credit terms and loan conditions.
9. Ensure compliance with internal policies and regulatory requirements.
10. Maintain accurate credit files and records for audit purposes.

Requirements:

1. Bachelor's degree in Finance, Accounting, Economics, or related field.
2. 2-4 years of experience in credit analysis or financial services.
3. Strong understanding of financial ratios, credit scoring, and risk assessment.
4. Proficiency in MS Excel, financial modeling, and analysis tools.
5. Excellent analytical and critical thinking skills.
6. Attention to detail and high level of accuracy.
7. Strong communication and report-writing skills.

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