Assistant Credit Manager – Credit Risk & Portfolio Analyst

NOVOTEL; Jeddah; On-site; SAR 90,000 - 120,000; Full time

Job summary

NOVOTEL in Jeddah, Saudi Arabia seeks an Assistant Credit Manager to support the Credit Manager in evaluating creditworthiness, managing credit portfolios and ensuring policy compliance. You will analyze applications, assess risk and prepare recommendations for management review.

Ideal candidates have 2-4 years in credit management, strong analytical skills, and knowledge of Saudi banking regulations. Bilingual Arabic/English is preferred; the role emphasizes accuracy, organization, and

Qualifications

• 2-4 years of professional experience in credit management, credit analysis, or related finance role.
• Expertise in credit risk assessment and financial analysis.
• Strong knowledge of credit policies, procedures, and banking regulations.
• Proficiency in analyzing financial statements and credit documentation.
• Excellent organizational and time management skills with ability to manage multiple priorities.
• Strong attention to detail and accuracy in data management and record keeping.
• Excellent written and verbal communication skills.
• Proficiency with credit management software and financial analysis tools.
• Ability to work independently and collaboratively within a team environment.
• Professional demeanor with strong ethical standards.
• Preferred bilingual in Arabic and English.
• Preferred familiarity with Saudi Arabia banking and credit regulations.
• Preferred experience with credit management systems and databases.

Responsibilities

• Analyze credit applications and financial documentation to assess borrower creditworthiness and repayment capacity.
• Evaluate credit risk and recommend appropriate credit limits and terms.
• Review loan documentation for accuracy, completeness and compliance with credit policies.
• Monitor existing credit accounts and identify potential risks or delinquencies requiring management attention.
• Prepare credit analysis reports and recommendations for review by the Credit Manager.
• Maintain organized and accurate credit files and records in accordance with regulatory requirements.
• Communicate with clients regarding credit decisions, documentation requirements and account status.
• Support the Credit Manager in implementing credit policies and procedures across the organization.
• Conduct follow-up activities on outstanding credit issues and maintain detailed records of actions taken.
• Assist in preparing credit performance metrics and portfolio analysis reports.
• Ensure all credit activities comply with Saudi Arabia banking regulations and organizational standards.

Skills

Credit risk assessment

Financial analysis

Credit policies

Financial statements

Organizational skills

Attention to detail

Communication skills

Team collaboration

Ethical standards

Arabic-English bilingual

Cash flow analysis

Tools

Credit management software

Financial analysis tools

Job description

NOVOTEL in Jeddah, Saudi Arabia seeks an Assistant Credit Manager to support the Credit Manager in evaluating creditworthiness, managing credit portfolios and ensuring policy compliance. You will analyze applications, assess risk and prepare recommendations for management review.

Ideal candidates have 2-4 years in credit management, strong analytical skills, and knowledge of Saudi banking regulations. Bilingual Arabic/English is preferred; the role emphasizes accuracy, organization, and