Responsibilities
- Assess and review credit applications for corporate, SME, and retail customers in line with the bank’s credit policies and risk appetite.
- Conduct financial analysis, including assessment of financial statements, cash flow, liquidity, leverage, profitability, and debt-servicing capacity.
- Evaluate customers’ creditworthiness, repayment ability, and overall risk profile.
- Prepare credit risk assessments, credit proposals, and recommendations for approval.
- Review existing customer exposures and conduct periodic credit reviews to identify emerging risks and deterioration in credit quality.
- Monitor overdue facilities, watch-list accounts, non-performing exposures, and portfolio trends.
- Assess collateral, guarantees, and other credit risk mitigants where applicable.
- Ensure compliance with internal credit policies, regulatory requirements, and delegated lending authorities.
- Work closely with Relationship Managers and business teams to obtain and validate relevant customer and financial information.
- Participate in credit committees and present credit assessments and recommendations when required.
- Prepare credit risk reports and portfolio analysis for management.
- Escalate significant credit concerns, policy exceptions, and emerging risks to management.
- Maintain accurate credit documentation and ensure compliance with required credit standards.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, Banking, Business Administration, or a related field.
- 2–5 years of relevant experience in banking, preferably in Credit Risk, Credit Analysis, Corporate/SME Credit, or a related function.
- Strong knowledge of credit risk assessment, lending principles, and financial analysis.
- Strong ability to analyze financial statements, cash flows, and key financial ratios.
- Good understanding of credit facilities, collateral, guarantees, and risk mitigation techniques.
- Knowledge of banking regulations, credit policies, and risk management practices.
- Strong analytical, problem-solving, and decision-making skills.
- Excellent attention to detail and ability to work under deadlines.
- Strong communication and report-writing skills.
- Good command of Microsoft Excel and PowerPoint.
- Professional certifications such as CFA, FRM, ACCA, CPA, or equivalent are an advantage.
المهارات المطلوبة
- Core Banking
تفاصيل الوظيفة
- الموقع عمان - الأردن
- القطاع المحاسبة والمالية
- نوع الوظيفة دوام كامل
- الدرجة العلمية بكالوريوس
- الخبرات 2-5
- الجنسية غير محدد
وظائف مماثلة
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| تحليلات جوجل | إنشاء بيانات إحصائية |
| الهدف | _ga, _gat, _gid, _gali |