SME CREDIT MANAGER

Clicks2compare Banking Consultant; Dubai; On-site; AED 180,000 - 290,000; Full time

Job summary

Clicks2compare Banking Consultant in Dubai seeks a seasoned SME credit analyst to analyze complex financial statements, assess risk, and shape lending policy. You will develop robust credit policies, manage SME credit facilities, and monitor performance with a proactive risk mindset.

The role requires 2–4 years of progressive SME credit experience, strong knowledge of financial statement analysis, cash flow modeling and credit scoring tools, and proficiency with loan origination systems to

Qualifications

• Bachelor's degree in Finance, Economics, Accounting, or a related field.
• MBA or CFA/CPA certification is highly advantageous.
• Minimum 2–4 years of progressive experience in credit analysis, underwriting, or portfolio management with SME focus.
• Strong understanding of financial statement analysis, cash flow modeling, and SME risk assessment.

Responsibilities

• Analyze complex financial statements and credit data to assess SME risk.
• Develop and implement credit policies and procedures for SME lending, ensuring compliance and risk mitigation.
• Manage a portfolio of SME credit facilities, monitoring performance and early warning signals.
• Structure innovative and competitive SME credit solutions balancing risk and growth objectives.

Skills

Credit scoring models

Financial software

Loan origination systems

Financial statement analysis

Cash flow modeling

Risk assessment methodologies

Education

Bachelor's degree in Finance/Economics/Accounting

MBA or CFA/CPA (advantageous)

Tools

Credit scoring models

Financial software

Loan origination systems

Job description

• Analyze complex financial statements and credit data to assess the risk profile of Small and Medium Enterprises (SMEs)
• Develop and implement robust credit policies and procedures tailored to the SME lending landscape ensuring compliance and mitigating risk
• Manage a portfolio of SME credit facilities proactively monitoring performance and identifying potential early warning signs of distress
• Structure innovative and competitive credit solutions for SMEs balancing risk appetite with business growth objectives
• Possess a Bachelor's degree in Finance, Economics, Accounting, or a related field; an MBA or relevant professional certification (e.g., CFA, CPA) is highly advantageous
• Demonstrate a minimum of 2-4 years of progressive experience in credit analysis, underwriting, or portfolio management, with a significant focus on SME lending
• Exhibit a deep understanding of financial statement analysis, cash flow modeling, and risk assessment methodologies specific to SMEs
• Proficiency in using credit scoring models, financial software, and loan origination systems is essential for effective workflow management