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Assistant Credit Analyst

1 month ago


Manama, Manama, Bahrain RESO Full time

Alzayani Investments is seeking a highly motivated and detail-oriented Assistant Credit Analyst to join our growing team in Manama, Bahrain. This full-time position offers an exciting opportunity to contribute to the company's credit risk assessment processes. The ideal candidate will be a Bahraini national with a strong analytical background and a passion for finance. This role will support senior analysts in evaluating creditworthiness, conducting financial analysis, and contributing to informed credit decisions.

Responsibilities

  • Evaluate credit risk of new applications and conduct periodic risk reviews of existing clients, ensuring alignment with risk appetite, policies, and procedures.
  • Review rating model inputs for consistency, accuracy, and appropriateness.
  • Ensure Credit Application Forms comply with group policies; provide commentary on deficiencies and indicate level of support (positive, negative, or conditional).
  • Ensure outstanding documentation is noted in the Request Form (RF), with mitigation for potential risks.
  • Provide high-quality credit risk management information to the Group Credit Control Manager with consistency and objectivity.
  • Make clear and timely recommendations to the Group Credit Control Manager.
  • Conduct quarterly/semi-annual/annual credit reviews of credit customers of Alzayani Investments and subsidiaries; alert management of potential risks or defaults.
  • Contribute to enhancement of Risk Acceptance Criteria to support development of profitable credit portfolios.
  • Support interpretation and application of Group Credit Policy and related standards/procedures.
  • Ensure spreadsheets are accurate, covenants are met, and conditionalities are delivered.
  • Identify high-risk relationships or sectors that may lead to elevated credit risk or non-repayment.
  • Represent and support the company with external stakeholders (auditors, rating agencies, CBB, Credit Committee, BCRB).
  • Support collections team across all credit risk transaction types while maintaining independence of the Credit Team.
  • Provide general assistance and support as required for day-to-day business operations.
  • Ensure strict adherence to Group Credit Policy and procedures.
  • Be willing to relocate and serve as an Auto Finance Coordinator (AFC) when required.

Qualifications
  • Bachelor's degree in Finance, Accounting, Economics, or a related field.
  • Strong analytical and problem-solving abilities.
  • Excellent written and verbal communication skills in English.
  • Proficiency in Microsoft Office, especially Excel.
  • Knowledge of financial modelling and credit analysis techniques.
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