Senior Credit Analyst (Underwriter - BAF)

Transguard Workforce Solutions

Senior Credit Analyst (Underwriter - Baf)

Job Summary

1. Credit Appraisal

• Underwrite credit applications as per approved credit policies and within Delegation of Authority, ensuring minimal errors.
• Maintain high productivity while ensuring quality and compliance in all assessments.
• Analyse credit data, financial statements, and business performance to evaluate risk.
• Generate and interpret financial ratios using analytical tools (e.g., Perfios).
• Evaluate applications considering borrower character, repayment capacity, business conditions, capital structure, and collateral.
• Conduct Dedupe checks for assigned applications.
• Initiate field visits as required to validate business credibility.
• Identify and escalate potential fraudulent activities.
• Submit deviation and restructuring cases to the delegated authority for decision.
• Communicate credit decisions to the front-end team via email or pre‑approval letters.

2. Customer Service Excellence

• Ensure timely completion of cases within defined TAT.
• Maintain full compliance with SLAs agreed with Business teams.

3. Compliance & Audit

• Adhere strictly to Operational Risk and compliance guidelines.
• Ensure full compliance with policies, statutory requirements, and internal procedures.
• Maintain at least a Satisfactory rating in internal audits with no high‑risk findings.
• Resolve audit observations within the stipulated timeframe.

4.Other

• Conduct field visits
• Interact with Perfios and other verification partners
• Processes approximately 3 BAF applications daily as a maker.

Job Requirements

• Bachelor’s Degree (minimum requirement).
• 4-5 years of underwriting experience in credit-related roles.
• Strong written and spoken English; Arabic preferred.
• Sound knowledge of banking operations, policies, statutory requirements, and market conditions.
• Strong command of business software, particularly spreadsheets.
• Strong credit and financial analysis capabilities.