Credit Risk Associate (Risk / Due diligence / Project Finance / Exposer Limits) – Riyadh, Saudi Arabia

Middle East
Posted 2 months ago

Reference No. JABLR-35

Reference Number: JABLR-35


Job Description:


Under the supervision and guidance of the Head of Credit Risk Unit, the credit risk associate will be responsible for performing in-depth credit analyses and making recommendations to Credit Committees based on financial statements and other sources of information for existing and prospective customers.


Responsibilities:


  • Assess the credit and financial strength of credit applicants by performing fundamental credit analysis using both quantitative (Financial Statements, Cash flows, Financial Ratios, Financial projections, Terms and conditions) and qualitative factors including structure of the transactions, compliance and legal documents.
  • Assess the credit and financial strength of credit applicants by performing fundamental credit analysis using both quantitative (Financial Statements, Cash flows, Financial Ratios, Financial projections, Terms and conditions) and qualitative factors including structure of the transactions, compliance and legal documents.
  • Practice due diligence and develop spreadsheets and models to support Risk analysis.
  • Process credit applications and provide recommendations tied to analysis and assessment of credit risk and findings that involve the borrowers ability to repay and highlighting all risk issues pertinent to the credit decision. Determine in depth the degree of each type of risk involved and justify risk recommendations.
  • Give initial feedback on prospective and existing customer requests to deal team.
  • Undertake detailed credit research into countries, economic, industry/sectors, individual borrowers/counterparties using financial and non-financial sources including access to Fitch solutions, S&P, EIU, and Moody's credit lens systems.
  • Perform regular stress tests and scenarios analysis to assess the impact on BADEA's loan portfolio and assist in proving the required information and data for the risk reports that are presented to the risk committee every quarter.
  • Monitor breaches of BADEA's RMF, conduct analysis, provide conclusions and recommendations.
  • Attend credit committee meetings as appropriate.
  • Undertake other roles and responsibilities as may be assigned by the RMD Director or by the Credit risk Unit Head.


Requirements: Qualification and Skill


  • Master's degree, preferably, Risk management, Banking, Finance, Economics, Business, or related field
  • Professional certification would be desirable.
  • Financial Services experience including 5 years of a proven credit experience in Banking or Credit Risk Management.
  • Well-developed analytical skills, including an understanding of key financial components with a proven ability in credit risk identification and control.
  • Ability to handle multiple transactions and comply with timely submissions to the credit committee.
  • Demonstrates advanced knowledge of financial statements with sound judgment and strong presentation skills.
  • Solid understanding of Credit Policy and procedures; proactively reviews BADEA policies and procedures to benchmark against transactions and work submitted.
  • Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively.
  • Ability to communicate effectively (written and oral) in Arabic and English.
  • Fluency in French would be highly advantageous
  • Advanced Microsoft Office (Word, Excel, PowerPoint) skills
  • Demonstrated ability to work effectively in a team-oriented environment. 
  • Exposure to Africa, would be an added advantage.


If you wish to apply for the position, please send your CV to Jamie Adams at jadams@caglobalint.com


Please visit www.caglobalint.com for more exciting opportunities.


Jamie Adams


Recruitment specialist


CA Finance


CA Global will respond to short-listed candidates only. If you have not had any response in two weeks, please consider your application unsuccessful however your CV will be kept on our database for any other suitable positions.

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