SME Credit Analyst: Risk, Underwriting & Automation

SILQFi; Dammam; On-site; SAR 120,000 - 210,000; Full time

Job summary

SILQFi is seeking a Credit Analyst to assess SME credit applications across our product range and identify key credit risks. You will own full credit files from analysis to memos and recommendations, and help improve underwriting through automation and process enhancements.

Responsibilities include end-to-end credit assessments, validating financials and SIMAH data, and preparing memos with clear recommendations. Strong Arabic/English and 2–4 years SME lending are required.

Qualifications

• 2–4 years of SME lending experience (credit analysis or underwriting).
• Professional proficiency in Arabic and English (written and spoken).
• Strong analytical skills, attention to detail with clear credit writing.
• Saudi experience and understanding of the Saudi lending ecosystem.

Responsibilities

• Assess SME credit applications end to end, from screening to decision, including supply chain & invoice-backed products.
• Analyse financial statements, bank statements, VAT returns, management accounts, SIMAH reports and supporting documents.
• Evaluate cash flows, indebtedness, repayment capacity and overall creditworthiness.
• Prepare complete credit memos with recommendations on limits, tenors, and mitigants; submit for senior underwriting review.
• Collaborate with Sales, Operations and Collections to meet turnaround times and maintain accurate records in the loan origination system.

Skills

Credit analysis

Financial analysis

Excel proficiency

Analytical thinking

Education

Bachelor's degree in Finance/Accounting/Banking/Economics/Business

Tools

SIMAH

Wathq

Job description

SILQFi is seeking a Credit Analyst to assess SME credit applications across our product range and identify key credit risks. You will own full credit files from analysis to memos and recommendations, and help improve underwriting through automation and process enhancements.

Responsibilities include end-to-end credit assessments, validating financials and SIMAH data, and preparing memos with clear recommendations. Strong Arabic/English and 2–4 years SME lending are required.