Retail Credit Analyst

• Analyze customer financial information and assess individual risk, responsible for handling routine credit proposals and making consistent, high-quality underwriting decisions that align with credit policy guidelines. Their main focus is to ensure risk-free credit decisions while meeting processing turnaround time targets. By carefully evaluating customer financial information, the retail credit analyst plays a crucial role in maintaining a high level of credit quality and minimizing risks for the organization

KEY ACCOUNTABILITIES:

Internal Customer Service Support

• Maintain effective communication with colleagues and immediate supervisor regarding related issues.
• Provide competent, problem-free, and timely service to both internal and external customers.
• Act as a backup for the Retail Credit Coordinator.

  Accuracy & Timeliness

  
  
• Ensure high work quality with minimal errors.
• Make timely and quality credit decisions to meet processing turnaround time targets.
• Identify and report any fraudulent, forged documents, incorrect information, or suspicious activities for further investigation.
• Maintain a good quality analysis process and handle proposals in a timely manner.
• Complete all assigned duties and tasks from the Unit Supervisor.

  Policy ,Processes and Procedures

  
  
• Evaluate retail facility applications according to credit policy guidelines.
• Strictly adhere to credit approval processes and procedures.
• Interact with department colleagues to identify and initiate process improvements.
• Ensure all applications pass verification processes and procedures.
• Maintain strict confidentiality of all accounts, bank products, and policies.
• Adhere to the bank's retail credit policies, processes, and procedures.
• Enhance product knowledge and awareness.

  Team Work Support

  
  
• Coordinate with associates within the department or other departments/branches to foster a high level of teamwork and deliver quality service to internal customers within the committed turnaround time.
• Support the department in handling additional activities.
• Provide regular feedback to the Unit Supervisor and share future plans.
  

KEY SKILLS :

• Strong communication and written language skills Arabic and English.
• Knowledge of credit review / Analysis Skill concepts (Preferably).
• Knowledge of Accounting & Financial Management.
• Good PC/MS office Skills
• Good Team Player

Minimum Experience:

• Experience (1 – 2 Years) 

• University degree in Finance, Accounting, Analytics 

Language Skills:

•  Strong in both oral and written : Arabic & English.