Credit Analyst – MSME at Kingdom Bank Limited
- To
support credit manager analysis, to plan, coordinate and control all
lending activities to minimize credit risks.
Responsibilities
- Analyze
credit propositions as allocated and recommend for approval
- Evaluating
clients’ credit data and financial statements in order to determine the
degree of risk involved in lending money to them
- Preparing
reports about the degree of risk in lending money to clients
- Responsible
for identifying and reporting potential and actual Money Laundering Risk,
including suspicious transactions in accordance with the laid down AML
policies & procedures.
Main Activities
- Reviewing
assigned files for compliance of the approval conditions
- Assess
temporary credit requests and recommend for approval
- To
perform any other duty as assigned in line with the organization goals and
objective
- Filling
out loan applications and including the credit analysis and loan request
summaries, then submitting these loan applications to the respective
people for their approval
- Maintain
relations with the client, as necessary and continuous monitoring of the
activities for the approved credits, according to the procedures
established by Bank
- Ensure
client covenant compliance in line with loan agreement/approved terms and
conditions.
- Support
the execution of “due diligence” of businesses in every stage of the
loan’s application, to ensure well-informed decision-making and
qualification of the risk involved.
- Identification
of areas of weaknesses during credit analysis and mitigating credit risk
appropriately for strong cases which are outside policy.
- Maintain
a good working knowledge of the Bank’s lending policies and procedures and
identify exceptions to policy.
- Achieve
Turn-Around-Times (TATs) as per agreed Service Level Agreements (SLAs) for
assessment of Credit Applications referred to Credit Risk from branches
and subsidiaries
Qualifications
- University
degree (MAKIB or CPA (AA)