Senior Credit Analyst - UAE

FlapKap; United Arab Emirates; On-site; AED 120,000 - 200,000; Full time

Job summary

A financial technology company in the United Arab Emirates seeks a Credit Analyst to conduct thorough analysis of financial statements and assess the creditworthiness of clients. Responsibilities include evaluating financial health, preparing credit reports, and collaborating with other departments. The ideal candidate should possess strong analytical skills and proficiency in financial analysis tools. The role offers a hybrid working environment and competitive salary.

Benefits

Competitive Salaries

Hybrid working environment

Healthcare coverage

Collaborative team environment

Promotion of work-life balance

Culture of learning and innovation

Responsibilities

• Conduct thorough analysis of financial statements and credit reports.
• Evaluate financial health of borrowers.
• Assess risk and make credit recommendations.
• Prepare detailed credit reports.
• Monitor existing borrower credit exposure.
• Stay updated on industry trends and regulatory changes.
• Collaborate with sales and underwriting teams.
• Provide guidance to junior credit analysts.
• Develop relationships with clients.
• Assist in developing credit policies and procedures.

Skills

Strong analytical and problem-solving skills

In-depth knowledge of financial analysis techniques

Proficient in financial analysis software

Excellent communication skills

Attention to detail

Ability to work independently

Strong interpersonal skills

Sound judgment

Proficient in Microsoft Excel

Strong ethical standards

Job description

Responsibilities

• Conduct thorough analysis of financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses.
• Evaluate the financial health of borrowers by analyzing their income, debt levels, and liquidity.
• Assess the risk associated with extending credit and make recommendations for credit approvals or rejections.
• Prepare detailed credit reports and summaries for internal and external stakeholders.
• Monitor and manage the credit exposure of existing borrowers by reviewing financial statements and conducting periodic risk assessments.
• Stay updated on industry trends, economic indicators, and regulatory changes that may impact credit risk.
• Collaborate with other departments, such as sales and underwriting, to gather and analyze necessary information for credit evaluations.
• Provide guidance and support to junior credit analysts in their analysis and decision-making processes.
• Develop and maintain relationships with clients, ensuring clear communication and understanding of credit terms and conditions.
• Assist in the development and implementation of credit policies, procedures, and risk assessment models to improve overall credit management.

Benefits

• Competitive Salaries
• Hybrid working environment
• Healthcare coverage
• A highly collaborative team environment that will support your professional and personal growth
• A culture that promotes Work-Life balance and Wellbeing
• A culture of learning and innovation

Qualifications

• Strong analytical and problem-solving skills, with the ability to analyze complex financial data and draw accurate conclusions.
• In-depth knowledge of financial analysis techniques, credit risk assessment, and industry best practices.
• Proficient in using financial analysis software and tools.
• Excellent written and verbal communication skills, with the ability to present complex financial information in a clear and concise manner.
• Attention to detail and high level of accuracy in analyzing and interpreting financial data.
• Ability to work independently and manage multiple priorities in a fast-paced, deadline-driven environment.
• Strong interpersonal skills, with the ability to build and maintain effective relationships with clients and internal stakeholders.
• Sound judgment and decision-making abilities, with the ability to assess risks and make recommendations accordingly.
• Proficient in Microsoft Office Suite, particularly Excel, for financial analysis and reporting purposes.
• Strong ethical standards and adherence to confidentiality requirements.