Senior Credit Analyst - Corporate Lending & Risk Insight

Virtu Thinko; Manama; On-site; BHD 8,900 - 13,000; Full time

Job summary

Virtu Thinko in Manama, Bahrain, seeks an experienced credit analyst to perform independent financial analysis and support loan approvals. You will assess client financial statements, industry risks, and credit information, coordinating with Relationship Managers to prepare Credit Applications and lend decisions.

The role requires 5–6 years in banking, with strong analytical thinking, solid communication, and PC literacy.

Qualifications

• Bachelor’s degree in Banking and Finance, Business Administration, or equivalent.
• FAP Certificate preferred.
• Minimum 5-6 years of practical experience in a bank with 3 years in the same or similar function.

Responsibilities

• Based on primary and secondary sources of information, analyse the credit and industry financial risks in which the client's business operates.
• analyse the business specific information including company’s financial statements (balance sheet, income statement, project cash flows, and business plans) to evaluate potential customer's financial status and their ability to repay their facility.
• Prepare Industry reports and perform peer analysis.
• Prepare Credit Applications (CAs) in coordination with the respective Relationship Manager (RM) and in compliance with the bank’s credit policy and procedure manual.
• Develop credit information for use by the corporate department in order to support the lending decisions on new, renewal and extension of loans.
• Prepare review list reports, past due report, and financial covenant report.
• Monitor files to assure that up-to-date financial statements, accounts receivable, aging, and other items are available for all customers requiring such information.
• Maintain control over customer accounts, monitor any developing problems and keep the Relationship Managers informed.
• Respond to both written and verbal credit inquiries and compose credit letters regarding bank customers by compiling all pertinent information and reporting to the interested pay.

Job description

Virtu Thinko in Manama, Bahrain, seeks an experienced credit analyst to perform independent financial analysis and support loan approvals. You will assess client financial statements, industry risks, and credit information, coordinating with Relationship Managers to prepare Credit Applications and lend decisions.

The role requires 5–6 years in banking, with strong analytical thinking, solid communication, and PC literacy.