Senior Credit Analyst – UAE at FlapKap – Dubai, Dubai, United Arab Emirates
Job Description
- Conduct thorough analysis of financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses.
- Evaluate the financial health of borrowers by analyzing their income, debt levels, and liquidity.
- Assess the risk associated with extending credit and make recommendations for credit approvals or rejections.
- Prepare detailed credit reports and summaries for internal and external stakeholders.
- Monitor and manage the credit exposure of existing borrowers by reviewing financial statements and conducting periodic risk assessments.
- Stay updated on industry trends, economic indicators, and regulatory changes that may impact credit risk.
- Collaborate with other departments, such as sales and underwriting, to gather and analyze necessary information for credit evaluations.
- Provide guidance and support to junior credit analysts in their analysis and decision-making processes.
- Develop and maintain relationships with clients, ensuring clear communication and understanding of credit terms and conditions.
- Assist in the development and implementation of credit policies, procedures, and risk assessment models to improve overall credit management.
Requirements
- Strong analytical and problem-solving skills, with the ability to analyze complex financial data and draw accurate conclusions.
- In-depth knowledge of financial analysis techniques, credit risk assessment, and industry best practices.
- Proficient in using financial analysis software and tools.
- Excellent written and verbal communication skills, with the ability to present complex financial information in a clear and concise manner.
- Attention to detail and high level of accuracy in analyzing and interpreting financial data.
- Ability to work independently and manage multiple priorities in a fast-paced, deadline-driven environment.
- Strong interpersonal skills, with the ability to build and maintain effective relationships with clients and internal stakeholders.
- Sound judgment and decision-making abilities, with the ability to assess risks and make recommendations accordingly.
- Proficient in Microsoft Office Suite, particularly Excel, for financial analysis and reporting purposes.
- Strong ethical standards and adherence to confidentiality requirements.
