Officer MSB Credit Analysis.058482

Al Rajhi Banking & Investment Corporation; Riyadh; On-site; SAR 200,000 - 300,000; Full time

Job summary

A leading financial institution in Riyadh is seeking a professional to support Micro and Small Business lending operations. The role involves thorough credit analysis, ensuring compliance with internal policies and regulatory guidelines, and collaborating with sales and operations teams. Ideal candidates will have a thorough understanding of credit metrics and experience in analytical assessments. This role is crucial for maintaining the bank's credit standards.

Qualifications

• Thorough understanding of credit analysis and lending operations.
• Experience with regulatory and internal credit policies.
• Ability to conduct qualitative and quantitative assessments.

Responsibilities

• Conduct credit analysis of Micro and Small Business applicants.
• Prepare credit assessment reports with recommendations.
• Collaborate with teams to ensure data completeness.

Job description

Support the bank’s Micro and Small Business (MSB) lending operations by conducting thorough credit analysis of applications, ensuring sound credit decisions are made in line with the bank’s policies and risk appetite. The role involves detailed assessment of financials, business performance, compliance to credit criteria, and risk factors associated with MSB clients.

KEY ACCOUNTABILITIES::

Credit Evaluation & Risk Analysis

• Analyze credit metrics of MSB applicants.
• Conduct qualitative and quantitative assessments of clients' creditworthiness.
• Prepare and present credit assessment reports with recommendations to Senior Credit Specialist.
• Ensure all applications are assessed in line with internal credit policy, regulatory guidelines, and risk appetite.

Policy & Compliance:

• Adhere to regulatory and internal credit policies, including Shariah requirements where applicable.
• Contribute to the continuous improvement of credit assessment tools and processes.
• Participate in internal audits, portfolio reviews, and risk reporting activities.

Collaboration & Stakeholder Engagement

• Work closely with Sales, Product, and Operations teams to ensure alignment and data completeness.
• Liaise with external parties for documentation verification if needed.
• Provide feedback and recommendations for policy refinement based on field insights.

FRAMEWORKS, BOUNDARIES, & DECISION MAKING AUTHORITY:

Operates under the guidance of the Senior Specialist MSB Credit. Exercises delegated authority within agreed business objectives.