Financial Credit Analyst- KSA

Overview

Analyze data related to credit facility requests and record recommendations for use by relevant bank entities in decisions regarding new lending / investments, renewals, modifications, and restructuring of existing loans / investments. Conduct in-depth analysis of available data to enhance the identification, assessment, and measurement of risks for all credit decisions. Provide decision-makers with accurate figures, information, data, and analyses to ensure sound credit decisions aligned with the bank's objectives. Review and analyze credit information and related matters such as credit reports, economic sector conditions, financial solvency and sustainability, collateral status, and guarantors. Prepare detailed credit reports on borrowers, covering credit standing, repayment capabilities, potential default risks, and the benefits of establishing or maintaining relationships with them. Submit observations to the direct supervisor. Provide required data and reports to relationship managers and the direct supervisor upon request to facilitate decision-making and recommendation processes. Contribute to the analysis of projected cash flows by preparing necessary reports and supplying the direct supervisor with all relevant data and information. Keep the direct supervisor informed of developments, events, and economic reports related to market sectors, credit portfolios, and clients. Provide necessary support for corporate-related projects and supply relevant parties with data / reports / information as needed.

Requirements

• Bachelor\'s degree in Business Administration, Economics, Banking & Finance, Statistics, or a related field.
• Minimum of 1 year of experience in credit or data analysis in banks or related institutions.
• Strong analytical abilities with proficiency in advanced statistical and mathematical tools, solid quantitative skills, and knowledge of stress tests, Basel, and Credit / Market / Operational / Liquidity Risk.
• Full proficiency in English.
• Computer literacy and ability to work with applied systems.
• Good knowledge of the bank\'s services and products.
• Full understanding of work-governing policies and procedures, including internal and external updates.
• Ability to work under pressure.
• Strong communication and interpersonal skills.
• Planning and organizational skills.

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