Job Overview
Credit Analyst – Saudi Arabia (Riyadh)
Location: Riyadh, Saudi Arabia
Employment Type: Full-Time
Industry: Commercial Banking | Corporate Banking | Financial Services
Position Overview
An excellent opportunity has arisen for a detail-oriented and analytical Credit Analyst to support credit risk evaluation and lending decisions within a modern banking environment. This position is ideal for professionals with strong financial analysis capabilities who are passionate about assessing creditworthiness, managing portfolio quality, and contributing to sound lending practices.
The successful candidate will evaluate retail and corporate credit applications, analyze financial statements, assess risk exposure, and provide recommendations that support prudent credit decisions while ensuring compliance with internal credit policies and regulatory standards.
Key Responsibilities
- Assess retail and corporate credit applications.
- Analyze financial statements, cash flow, and repayment capacity.
- Conduct credit risk assessments and prepare detailed credit reports.
- Recommend appropriate lending structures and risk mitigation measures.
- Review collateral documentation and valuation reports.
- Monitor existing credit portfolios for performance and emerging risks.
- Ensure compliance with internal credit policies and regulatory requirements.
- Collaborate with relationship managers and lending teams.
- Prepare portfolio performance reports and credit summaries.
- Support periodic credit reviews and renewals.
- Identify early warning signals and recommend corrective actions.
- Maintain accurate credit documentation.
- Participate in credit committee presentations.
- Contribute to continuous improvement of credit evaluation processes.
- Stay informed about economic trends affecting lending activities.
Required Qualifications
- Bachelor’s degree in Finance, Banking, Accounting, Economics, or a related field.
- Experience in credit analysis, lending, or commercial banking.
- Strong understanding of financial statement analysis.
- Knowledge of credit risk management principles.
- Excellent analytical and numerical skills.
- Proficiency in Microsoft Excel and financial analysis tools.
- Strong report-writing abilities.
- High attention to detail and sound professional judgment.
Preferred Skills
- Credit Analysis
- Financial Modelling
- Risk Assessment
- Corporate Lending
- Financial Statement Analysis
- Portfolio Monitoring
- Regulatory Compliance
- Banking Operations
- Excel
- Commercial Banking
Benefits
- Attractive tax-free salary
- Annual performance bonus
- Housing allowance
- Comprehensive healthcare coverage
- Annual travel allowance
- Professional banking certification support
- Leadership development programmes
- Paid annual leave
- Collaborative work environment
- Long-term career advancement opportunities
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