Officer MSB Credit Analysis

Client of YALLO Retail

Job Title: Officer MSB Credit Analysis
Location: Riyadh, Saudi Arabia
Job Purpose:
To evaluate, analyze, and monitor creditworthiness of Medium-Sized Business (MSB) clients by assessing financial data, business performance, and risk exposure. The role ensures accurate credit recommendations, supports business growth, and safeguards the bank s portfolio quality.
Key Responsibilities:

Conduct detailed financial analysis of MSB clients, including income statements, balance sheets, cash flows, and key financial ratios.

Assess credit applications, prepare credit proposals, and provide well-supported recommendations for approvals.

Evaluate business models, industry trends, and market risks to determine overall creditworthiness.

Monitor existing client accounts, ensuring adherence to credit terms, covenants, and repayment schedules.

Identify early warning signals in client performance and recommend corrective actions.

Collaborate with Relationship Managers to structure credit facilities that balance client needs and bank risk appetite.

Ensure compliance with internal credit policies, regulatory guidelines, and risk management frameworks.

Maintain updated client credit files, financial spreads, and risk ratings.

Prepare and present periodic portfolio reviews and risk assessment reports to senior management.

Support continuous improvement initiatives in credit assessment processes and tools.