Senior Credit & Risk Analyst - SME - UAE Residents

FlapKap; Dubai; On-site; AED 120,000 - 200,000; Full time

Job summary

A financial services company in Dubai is seeking a Credit Analyst to conduct thorough financial assessments and evaluate borrowers' creditworthiness. The ideal candidate will prepare detailed reports, monitor existing credit exposures, and collaborate with departments to ensure informed lending decisions. Strong analytical skills, communication abilities, and in-depth knowledge of financial data are essential. You'll benefit from competitive salaries and opportunities for professional growth in a highly collaborative environment.

Benefits

Competitive Salaries

Private Health Insurance

Work From Home

Training & Development

Performance Bonus

Qualifications

• Strong analytical and problem-solving skills.
• In-depth knowledge of financial analysis techniques and credit risk assessment.
• Excellent written and verbal communication skills.
• Ability to work independently and manage multiple priorities.

Responsibilities

• Conduct thorough analysis to assess creditworthiness.
• Prepare detailed credit reports for stakeholders.
• Monitor and manage credit exposure of borrowers.
• Develop and maintain relationships with clients.

Skills

Analytical skills

Problem-solving skills

Communication skills

Interpersonal skills

Attention to detail

Financial analysis

Risk assessment

Microsoft Excel

Tools

Financial analysis software

Microsoft Office Suite

Job description

• 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.

• 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.

• Competitive Salaries

• Private Health Insurance
• A highly collaborative team environment that will support your professional and personal growth
• Work From Home
• Training & Development
• Performance Bonus