Job Ref #: GP_CREDITANALYST_REP#KP
Industry: Banking/Finance And Investment
Job Type: Permanent
Positions Available: 1

Job Description

KEY PERFORMANCE AREAS

Credit Proposals

·        Analyse financial statements, management accounts, VAT returns, and book debts to assess client and guarantor performance.

·        Conduct qualitative reviews, market research, and corporate ratings to determine client affordability and risk exposure.

·        Prepare comprehensive credit proposals, including financial spreads, sensitivity analyses, and SWOT/risk assessments.

·        Gather and verify client information, including business background, credit history, and security details.

·        Maintain and update exposure and security reports on internal systems, ensuring data accuracy and compliance.

·        Collaborate with Legal and Credit Committees (MCC, ECC, BCC, BOD) by preparing executive summaries and responding to proposal queries.

·        Identify and communicate key risks, mitigating factors, and value-added insights in credit submissions.

 

Analysis of book debt

·        Analyse clients’ book debts monthly to assess recoverability and determine updated security values.

·        Prepare and maintain book debt schedules, including security valuations and risk ratings.

·        Liaise with clients to resolve book debt queries and ensure accurate reporting.

·        Provide analysis insights and respond to queries from the Management Credit Committee (MCC)

 

Trade Review Finance

·        Maintain and update trade finance review registers and tracking schedules for all trade and revolving asset facilities.

·        Record and monitor key details such as review dates, facility levels, approvals, and submission timelines.

·        Track outstanding information for each application and follow up to ensure timely completion and compliance.

 

Review Letters

·        Prepares trade review letters requesting financial information from clients and/or the clients accountants for annual trade reviews.

·        Follows up on receipt of letters and submission of information on an ongoing basis.

 

General

·        Follow up with clients for required financial information and documentation (e.g., statements, VAT returns, and banking details).

·        Prepare annual Corporate Murabaha commercial property reviews for submission to the Credit Department.

·        Obtain and verify FICA documentation for all clients.

·        Prepare facility levels post-approval, load securities, and complete compliance checklists.

·        Capture applications on internal banking system and maintain accurate and up-to-date deal files.

Job Requirements

QUALIFICATIONS

• A degree or relevant qualifications in Finance / Accounting will be required in order to meet the requirements of the role at the highest level of competence.

 

EXPERIENCE

• A minimum of 2-3 years’ experience in the Finance/ Accounting environment

 

KNOWLEDGE

• Credit Lens
• Ms Office
• IMAL
• TASL (Technical Advance Support Log)
• SharePoint
• Credit Portal
• Knowledge of the following:

-      Credit Policies and Procedures

-      Shariah Banking principles

-      Banks policies and procedures

-      Basic knowledge on the Banks Products and Services

-      Finance and Accounting

Albaraka Bank is an Equal Opportunity Employer. Applicants from the previously disadvantaged groups and people with disabilities will be given preference