Credit Analyst

Job Description

The Credit Analyst evaluates the financial strength and creditworthiness of individuals and businesses applying for loans and credit facilities. The role involves analyzing financial statements, assessing risks, and preparing detailed credit reports for approval by management. The analyst ensures that lending decisions align with Gulf Bank’s credit policies and risk management framework. Strong analytical skills and financial expertise are essential to support responsible lending decisions.

Key Responsibilities
Analyze customer financial statements and credit histories.
Assess lending risks and repayment capacity.
Prepare comprehensive credit assessment reports.
Recommend loan approvals or declines based on risk analysis.
Monitor existing loan portfolios for potential risks.
Ensure compliance with internal credit policies and regulatory standards.
Work with Relationship Managers to gather customer information.
Support periodic portfolio reviews and credit risk reporting.