Credit Manager

Saudi Home Loans (SHL); Saudi Arabia; On-site; SAR 120,000 - 150,000; Full time

Job summary

A specialized Islamic home finance company in Saudi Arabia is seeking a Credit Manager to supervise analysts and ensure compliance with established policies. The ideal candidate will have a robust background in credit management and financial statement analysis, with a minimum of 3 years in the financial services sector. Fluency in English and Arabic is essential, along with experience in the KSA market.

Benefits

Shari’ah-compliant products

Focus on customer satisfaction

Career growth opportunities

Qualifications

• At least 3+ years in credit management within banking or financial services.
• Minimum of 2 years in credit analysis.
• Specialization in home financing is preferred.
• Previous experience in the KSA market.

Responsibilities

• Conduct final reviews on home finance files according to established policies.
• Analyze financial statements for self-employed applicants and business owners.
• Ensure compliance standards are met.
• Train credit analysts and sales staff on proper documentation.

Skills

Credit management

Financial statement analysis

Compliance standards

Fraud detection

Team training

Communication

Education

University degree in Business or Finance

Tools

Excel

Word

PowerPoint

Lotus Notes

iFlex/DBLS

Job description

Provide supervision and guidance for credit analysts, review home and land finance files, and make funding eligibility decisions.

Major Responsibilities:

1. Conduct final reviews on home finance files in accordance with SHL’s established credit policy, criteria, and procedures.
2. Analyze financial statements for self-employed applicants and business owners.
3. Analyze property valuations.
4. Ensure compliance standards are met.
5. Detect fraudulent documentation or actions and report issues to the Head of Credit.
6. Identify and present credit exceptions; prepare monthly exceptions report.
7. Ensure targeted credit pipeline levels are not exceeded.
8. Monitor credit pipeline & ensure turnaround times are maintained.
9. Train credit analysts and discuss credit decisions with SHL, DAAR & ANB personnel.
10. Collaborate with other departments to achieve SHL’s goals.
11. Suggest and implement workflow improvements to increase efficiency.
12. Conduct assurance findings as requested.
13. Review sales proposed campaigns for compliance with credit guidelines.
14. Assist sales in achieving targets.
15. Train sales staff on proper documentation.
16. Conduct portfolio analysis and report policy defects or weaknesses.
17. Design new MIS and quality monitoring reports.
18. Report system enhancements or gaps.
19. Conduct process gap analysis.
20. Design and update the credit capacity plan and monitor capacity monthly.
21. Perform duties as directed by the manager.

Own a Car

Any

Have a Driving License

Any

Job Skills:

At least 3+ years in credit management within banking or financial services, including 2+ years in credit analysis. Specialization in home financing is preferred. Proven skills in financial statement analysis. Previous experience in the KSA market. University degree in Business or Finance.

Systems Used:

Excel, Word, PowerPoint, Lotus Notes, iFlex/DBLS preferred.

Languages:

Fluent in English and Arabic.

About The Company:

SHL is a specialized Islamic home finance company in Saudi Arabia, providing Shari’ah-compliant products and services, with a focus on making home ownership accessible. Our governance and risk management adhere to global best practices, supported by state-of-the-art IT systems to prioritize customer satisfaction.