Senior Credit & Risk Analyst - SME - UAE Residents

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

Job summary

A financial services firm in the United Arab Emirates is looking for a skilled credit analyst. The ideal candidate will conduct in-depth analyses of financial statements and credit reports to evaluate creditworthiness. Responsibilities include preparing detailed reports, monitoring borrower credit exposure, and collaborating across departments. A strong background in financial analysis and excellent communication skills are required. The company offers competitive salaries, private health insurance, and a work-from-home option.

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 and credit risk assessment.
• Excellent written and verbal communication skills.
• Ability to work independently in a fast-paced environment.

Responsibilities

• Conduct thorough analysis of financial statements and credit reports.
• Evaluate financial health of borrowers.
• Prepare detailed credit reports for stakeholders.
• Monitor and manage credit exposure of borrowers.

Skills

Analytical skills

Problem-solving skills

Communication skills

Interpersonal skills

Attention to detail

Tools

Financial analysis software

Microsoft Excel

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 creditmanagement.

Benefits

• Competitive Salaries
• Private Health Insurance
• Work From Home
• Training & Development
• Performance Bonus

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 confidentialityrequirements.