Credit Analyst

Role overview

The Credit Analyst role is focused on reviewing loan applications for a designated business segment with accuracy and sound judgment. The goal is to assess borrower credibility, determine appropriate credit exposure and collateral needs, and help protect the bank from credit losses while supporting a strong and healthy loan portfolio with low levels of impaired accounts.

Key responsibilities

• Apply approved departmental policies, procedures, and operating standards, while recommending practical improvements and guiding team members to follow them consistently.
• Handle day-to-day departmental tasks in line with established controls and service expectations.
• Support the credit review process by carefully examining loan applications, guiding analysts, and ensuring remedial actions are taken when needed to prevent credit deterioration.
• Assess the reasoning, supporting evidence, and decision-making used in credit reviews for the assigned segment, and identify areas where coaching or training can improve review quality.
• Review and validate credit limits, asset quality, pricing structure, and collateral requirements to support sound approvals and a diversified regional or area portfolio.
• Evaluate corporate financing proposals based on asset quality, pricing, and collateralization, within the bank’s lending limits.
• Confirm that all supporting documents needed for verification and approval are complete and aligned with credit policy.
• Assist relationship managers in structuring credit facilities that match customer financing needs while staying within the bank’s risk appetite and tolerance.
• Monitor the credit portfolio for the assigned region or area and flag unusual trends or movements that may increase credit risk, then propose mitigation steps and inform relevant stakeholders.
• Work with relationship managers and other officers to resolve customer issues related to facility structure, terms, conditions, and collateral.
• Prepare and present credit applications to the appropriate credit approval committees accurately and on time.
• Track changes in SAMA regulations and industry standards, and recommend updates to credit review processes to maintain compliance without exceptions.
• Review and update KPIs and KRIs relevant to the assigned segment.
• Help implement fraud prevention controls and ensure employees understand their responsibilities to protect customer interests and meet legal and statutory requirements.
• Contribute ideas for process, systems, and practice improvements that raise productivity, reduce cost, improve turnaround time, and align with international best practice.
• Prepare departmental reports accurately and on schedule, and suggest enhancements to reporting and new reports that support timely management decision-making.
• Represent the function in internal or external committees and meetings as permitted by authority levels, ensuring matters are addressed effectively and on time.
• Follow all safety, quality, and environmental management requirements to help maintain a safe and healthy workplace.
• Carry out any other related tasks assigned by supervisors.

Requirements

• A bachelor’s degree in Finance, Business Administration, or another relevant field.
• At least 5 years of practical experience in credit review.
• Advanced English proficiency.

Additional information

This position is based in Riyadh, Saudi Arabia and is a full-time, on-site role.

Purpose of the role

The position exists to ensure loan applications are assessed thoroughly and consistently, enabling the bank to maintain credit quality, appropriate lending limits, and suitable collateral coverage while minimizing risk exposure.

Compliance and governance

The role includes monitoring regulatory developments, maintaining alignment with internal policies, and supporting compliance with SAMA requirements. It also requires participation in fraud prevention controls, internal coordination, and committee-level discussions as needed.