Our client is seeking a Credit Analyst – Finance Fintech
Responsibilities
- Analyze financial statements, bank statements, and business cash flows to assess customer repayment capacity
- Evaluate credit applications against underwriting policy and risk appetite
- Prepare credit assessment reports and recommendations for approval committee review
- Calculate key financial ratios (DSCR, leverage, liquidity) and assess overall business risk
- Verify KYC/AML documentation and flag inconsistencies or red flags
- Structure funding proposals (Merchant Finance, Business Finance, Invoice Finance) in line with Shariah-Structured requirements
- Monitor approved facilities for early warning signs and portfolio quality
- Liaise with Relationship Officers to gather additional customer information as needed
- Maintain accurate records of credit decisions, rationale, and supporting documentation
- Stay current with UAE SME credit market trends and risk practices
Requirements
- 2–5 years of experience in credit analysis, SME underwriting, or business lending (banking/NBFC/fintech)
- Strong financial statement analysis and ratio analysis skills
- Working knowledge of AML/KYC and UAE lending/regulatory practices
- Experience with Islamic/Shariah-compliant finance structures is a plus
- Proficiency in Excel; familiarity with credit scoring or loan origination systems
- Strong analytical, report-writing, and communication skills
- Bachelor’s degree in finance, accounting, economics, or related field
- Professional certification (CFA, CA, ACCA) is an advantage but not mandatory
Are you interested in this position?
Apply by clicking on the “Apply Now” button below!
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