Credit Analyst

Role purpose: The Credit Analyst assesses the creditworthiness of corporate and SME borrowers and recommends whether to approve, structure or decline credit. The role protects portfolio quality through sound financial analysis, clear credit memos and ongoing monitoring, in line with the company's credit policy and CMA regulations. Key responsibilities: Credit assessment • Analyze new and renewal credit applications from corporate and SME clients. • Prepare credit memos with a clear recommendation, risk rating, proposed limits, pricing and conditions. • Assess repayment capacity, cash flow, collateral, guarantees and management quality. • Run industry, market and peer analysis to support each recommendation. Financial analysis • Spread and analyze audited and management financial statements. • Calculate key ratios: leverage, liquidity, profitability, debt service coverage. • Build cash flow projections and run sensitivity and stress tests. • Review collateral valuations and loan-to-value coverage. Risk monitoring: • Conduct annual and interim reviews of existing facilities. • Track covenants, early warning signals and past-due accounts. • Flag deteriorating exposures and recommend corrective action or watch-list status. • Support the collections and recovery team with analysis on problem accounts. Reporting and compliance • Prepare portfolio reports on concentration, risk grades and delinquency for management and the credit committee. • Ensure every credit file complies with internal credit policy and regulator requirements. • Support internal and external audits and IFRS 9 expected credit loss inputs. • Contribute to updates of credit policies, procedures and scoring models. Qualifications and experience: Required • Bachelor's degree in Finance, Accounting, Economics or Banking. • 1–2 years in credit analysis, corporate or SME lending, or financial analysis at a bank, finance company or investment firm. • Strong knowledge of financial statement analysis and credit structuring. • Advanced Excel; experience with financial spreading tools. • Fluent English and Arabic, written and spoken. Show more Show less