Credit Risk Analyst

The selected professionals will be responsible for assessing credit risk, analyzing financial information, evaluating customer/business proposals, and supporting sound credit decisions within the Corporate & Financial Institutions (FI) Risk function.

Key Responsibilities

• Conduct detailed credit risk assessments and financial analysis of corporate and institutional customers.
• Review financial statements, business performance, cash flows, and key financial ratios.
• Analyze credit proposals and assess the repayment capacity and overall creditworthiness of customers.
• Identify and evaluate key credit, financial, industry, and business risks.
• Prepare comprehensive credit analysis reports and recommendations.
• Review existing credit facilities and monitor portfolio performance.
• Ensure compliance with the bank’s internal credit policies, risk frameworks, and regulatory requirements.
• Coordinate with Relationship Managers and relevant internal stakeholders regarding credit proposals.
• For the Islamic Banking role, evaluate financing proposals in accordance with applicable Shariah-compliant banking structures and requirements.

???? Education & Requirements

• Bachelor’s or Master’s degree in Finance, Accounting, Economics, Business Administration, Commerce, or a related discipline.
• Professional qualifications such as CA, ACCA, CFA, FRM, ICMA, or equivalent will be an advantage.
• Relevant experience in Credit Risk, Credit Analysis, Corporate Banking, Financial Institutions Risk, or Financial Services.
• Strong understanding of financial statement analysis, credit assessment, and risk evaluation.
• Knowledge of corporate and institutional banking products will be preferred.
• Strong analytical, report-writing, communication, and decision-making skills.
• Candidates with relevant Islamic Banking / Islamic Finance experience will be preferred for the Islamic Banking position.