Assistant Credit Analyst - Alzayani Investments

المنامة - البحرين

الراتب شهرياً: لم يكشف

تاريخ النشر: نُشرت قبل 21 ساعة

عدد الوظائف الشاغرة: 1 عدد الوظائف الشاغرة

سجل للتقديم

ملخص الوظيفة

Alzayani Investments is seeking a highly motivated and detail-oriented Assistant Credit Analyst to join our growing team in Manama Bahrain. This full-time position offers an exciting opportunity to contribute to the companys credit risk assessment processes. The ideal candidate will be a Bahraini national with a strong analytical background and a passion for finance. This role will support senior analysts in evaluating creditworthiness conducting financial analysis and contributing to informed credit decisions.

Responsibilities:

Evaluate credit risk of new applications and conduct periodic risk reviews of existing clients ensuring alignment with risk appetite policies and procedures.
Review rating model inputs for consistency accuracy and appropriateness.
Ensure Credit Application Forms comply with group policies; provide commentary on deficiencies and indicate level of support (positive negative or conditional).
Ensure outstanding documentation is noted in the Request Form (RF) with mitigation for potential risks.
Provide high-quality credit risk management information to the Group Credit Control Manager with consistency and objectivity.
Make clear and timely recommendations to the Group Credit Control Manager.
Conduct quarterly/semi-annual/annual credit reviews of credit customers of Alzayani Investments and subsidiaries; alert management of potential risks or defaults.
Contribute to enhancement of Risk Acceptance Criteria to support development of profitable credit portfolios.
Support interpretation and application of Group Credit Policy and related standards/procedures.
Ensure spreadsheets are accurate covenants are met and conditionalities are delivered.
Identify high-risk relationships or sectors that may lead to elevated credit risk or non-repayment.
Represent and support the company with external stakeholders (auditors rating agencies CBB Credit Committee BCRB).
Support collections team across all credit risk transaction types while maintaining independence of the Credit Team.
Provide general assistance and support as required for day-to-day business operations.
Ensure strict adherence to Group Credit Policy and procedures.
Be willing to relocate and serve as an Auto Finance Coordinator (AFC) when required.

Qualifications:

Bachelors degree in Finance Accounting Economics or a related field.
Strong analytical and problem-solving abilities.
Excellent written and verbal communication skills in English.
Proficiency in Microsoft Office especially Excel.
Knowledge of financial modelling and credit analysis techniques.

Evaluate credit risk of new applications and conduct periodic risk reviews of existing clients ensuring alignment with risk appetite policies and procedures.
Review rating model inputs for consistency accuracy and appropriateness.
Ensure Credit Application Forms comply with group policies; provide commentary on deficiencies and indicate level of support (positive negative or conditional).
Ensure outstanding documentation is noted in the Request Form (RF) with mitigation for potential risks.
Provide high-quality credit risk management information to the Group Credit Control Manager with consistency and objectivity.
Make clear and timely recommendations to the Group Credit Control Manager.
Conduct quarterly/semi-annual/annual credit reviews of credit customers of Alzayani Investments and subsidiaries; alert management of potential risks or defaults.
Contribute to enhancement of Risk Acceptance Criteria to support development of profitable credit portfolios.
Support interpretation and application of Group Credit Policy and related standards/procedures.
Ensure spreadsheets are accurate covenants are met and conditionalities are delivered.
Identify high-risk relationships or sectors that may lead to elevated credit risk or non-repayment.
Represent and support the company with external stakeholders (auditors rating agencies CBB Credit Committee BCRB).
Support collections team across all credit risk transaction types while maintaining independence of the Credit Team.
Provide general assistance and support as required for day-to-day business operations.
Ensure strict adherence to Group Credit Policy and procedures.
Be willing to relocate and serve as an Auto Finance Coordinator (AFC) when required.