Credit Analyst – Commercial Banking

About the role

The Credit Analyst will support the Commercial Banking portfolio by conducting accurate, independent credit assessments and ongoing monitoring in line with the bank's policies and risk appetite.

Key responsibilities

• Perform preliminary reviews of credit applications to ensure completeness and validity of documents.
• Analyse financial statements, cash flows, borrowing positions, business profiles, industry dynamics and management quality.
• Identify key risks, mitigants and policy compliance, and prepare a Credit Risk Assessment Summary with recommendations, conditions and covenants.
• Conduct customer or site visits to gain an independent understanding of business and operating risks.
• Support periodic reviews, renewals and monitoring of assigned accounts, flagging early warning signals and escalating material deteriorations.
• Maintain accurate credit records, trackers and management information, and assist with Credit Committee submissions.

Required profile

• Bachelor's degree in Commerce, Finance, Accounting, Economics or related field.
• 3 to 5 years of experience in corporate or commercial banking credit analysis, underwriting or relationship support.
• Strong written and verbal communication skills in English; Arabic is a plus.

Required skills

• Risk Assessment
• Portfolio monitoring
• Credit assessment
• Credit analysis
• Credit underwriting