Credit Analyst

**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.

**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.

**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