Credit Analyst
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Key skills for this role
About the Role
Peergrowth is seeking a Credit Analyst in Dubai to evaluate corporate credit proposals, perform financial and risk analysis, and provide credit recommendations. The role requires a minimum of 5 years in corporate banking and credit functions, with at least 2-3 years in credit analysis.
Key Skills for This Role
Responsibilities
- Analyze corporate credit proposals, financial statements, and business performance
- Assess borrowers' creditworthiness using financial ratios, cash flow analysis, and industry benchmarks
- Prepare detailed credit appraisal reports with clear recommendations
- Evaluate repayment capacity, profitability, liquidity, leverage, and cash flow adequacy
- Identify key credit risks and recommend appropriate mitigation measures
- Monitor performance of existing credit facilities and identify early warning signals
- Ensure compliance with bank's credit policies, risk framework, and regulatory guidelines
Requirements
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related discipline
- Professional qualifications such as CA, CPA, CFA, MBA, CIMA, or equivalent preferred
- Minimum 5 years of experience in Corporate Banking and Corporate Credit functions
- At least 2–3 years of experience in credit analysis and financial assessment
- UAE or GCC banking experience highly preferred
Full Job Posting
Job Summary
- To evaluate corporate credit proposals, perform detailed financial and risk analysis, and provide sound credit recommendations that support informed lending decisions while ensuring compliance with the Bank's credit policies and risk framework.
Key Responsibilities
- Analyze corporate credit proposals, financial statements, and business performance.
- Assess borrowers' creditworthiness using financial ratios, cash flow analysis, and industry benchmarks.
- Prepare detailed credit appraisal reports with clear recommendations.
- Evaluate repayment capacity, profitability, liquidity, leverage, and cash flow adequacy.
- Identify key credit risks and recommend appropriate mitigation measures.
- Conduct financial analysis, including ratio analysis, cash flow analysis, DSCR, leverage, liquidity, and stress testing.
- Assess industry trends, market conditions, and macroeconomic factors affecting credit quality.
- Review and assess proposals related to Corporate Banking, Mid Corporate Lending, Contract Finance, Real Estate Finance, Trade Finance, and Factoring.
- Ensure all credit proposals comply with internal credit policies and regulatory requirements.
- Support the approval process by preparing comprehensive credit recommendations.
- Monitor the performance of existing credit facilities and identify early warning signals.
- Review periodic financial statements and covenant compliance.
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
- Professional qualifications such as CA, CPA, CFA, MBA, CIMA, or equivalent are preferred.
- Credit Risk or Banking certifications from recognized professional institutions are an advantage.
- Minimum 5 years of experience in Corporate Banking and Corporate Credit functions.
- At least 2–3 years of experience in credit analysis and financial assessment.
- UAE or GCC banking experience is highly preferred.
- Experience evaluating Corporate Banking, Mid Corporate, Contract Finance, Real Estate Finance, Trade Finance, and Factoring proposals.
Skills & Competencies
- Strong financial statement analysis and credit assessment skills.
- Sound knowledge of corporate lending products and credit risk management.
- Strong understanding of GCC corporate markets, industries, and economic trends.
- Knowledge of banking regulations, credit policies, and risk management frameworks.
- Excellent analytical, problem solving, and decision making skills.
- Strong report writing and credit proposal preparation skills.
- Ability to work under pressure and meet tight deadlines.
- Strong communication and stakeholder management skills.
- Proficiency in Microsoft Excel, Word, and PowerPoint.
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