drjobs Credit Analyst العربية

Credit Analyst

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1 Vacancy
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Jobs by Experience drjobs

Not Mentionedyears

Job Location drjobs

Dubai - UAE

Salary drjobs

Not Disclosed

drjobs

Salary Not Disclosed

Nationality

Emirati

Gender

Male

Vacancy

1 Vacancy

Job Description

Roles and responsibilities

We are looking for a professional Credit Analyst to determine our customers’ creditworthiness. You will analyze financial data to assess the likelihood of a borrower honoring their financial obligations.

Responsibilities

  • Assess credit worthiness of existing or prospective clients
  • Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc)
  • Complete ratio, trend and cash flow analyses and create projections
  • Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner
  • Determine in depth the degree of risk involved
  • Carefully analyse data and produce clear and objective reports
  • Routinely monitor loans for compliance
  • Adhere to credit policy and guidelines
  • Monitor corporate portfolio asset quality on an ongoing basis
  • Draft models of credit information that predict trends and patterns

Requirements

  • Proven working experience as a credit analyst
  • Proficiency in statistical packages and financial software
  • Up to date with legal, compliance and market risk related issues
  • Ability to analyze cash flows, leverage, collateral and customer strength
  • Strong communication and presentation skills
  • Sound judgement
  • BS degree in Business, Statistics or related field
  • Time Management: Managing multiple applications and analyses to meet deadlines efficiently.

  • Risk Assessment: Evaluating and quantifying credit risk and understanding its implications for lending.

  • Technical Proficiency: Familiarity with credit analysis software and tools, as well as Excel for data analysis.

  • Regulatory Knowledge: Understanding relevant laws and regulations in the credit and lending industry.


Desired candidate profile

  • Analytical Skills: Ability to assess financial statements, credit reports, and other data to evaluate creditworthiness.

  • Attention to Detail: Ensuring accuracy in financial analysis and documentation.

  • Financial Acumen: Strong understanding of financial principles, credit risk assessment, and lending practices.

  • Research Skills: Proficient in gathering and interpreting data from various sources to make informed decisions.

  • Communication Skills: Clearly presenting findings and recommendations to stakeholders, including lenders and management.

  • Problem-Solving: Identifying potential issues in credit applications and proposing solutions.

  • Time Management: Managing multiple applications and analyses to meet deadlines efficiently.

  • Risk Assessment: Evaluating and quantifying credit risk and understanding its implications for lending.

  • Technical Proficiency: Familiarity with credit analysis software and tools, as well as Excel for data analysis.

  • Regulatory Knowledge: Understanding relevant laws and regulations in the credit and lending industry.

Employment Type

Full-time

Company Industry

Accounting

Department / Functional Area

Accounting

About Company

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