✨ AI Summary
The Corporate Credit Analyst at Bank of Bahrain & Kuwait will provide essential support to managers in assessing the financial health of borrowers. Key responsibilities include detailed financial statement spreading and analysis, including SWOT, identifying strengths, weaknesses, opportunities, and threats. The analyst will evaluate credit and financial information for current and potential commercial banking customers, ensuring accuracy in financial statement spreads to facilitate informed credit decisions. Additionally, the role involves client calls with managers, staying updated on business developments through press review, organizing account reviews, and maintaining computerized financial records. A strong understanding of the bank's credit policy and strict adherence to compliance and operational risk controls are mandatory. Continuous learning through training sessions is encouraged to improve skills and knowledge of bank products and technologies.
Requirements
The role requires efficient and quality support in determining the financial conditions of existing/prospect borrowers. Responsibilities include spreading financial statements, preparing comprehensive financial analysis (including SWOT), analyzing credit and financial information of commercial banking customers, quality checking financial statement spreads, and assisting with credit applications. Familiarity with bank credit policy and adherence to compliance and operational risk controls are essential. Participation in training sessions to enhance skills is also expected.
Description
Job Purpose: To provide efficient and quality support to managers in determining the financial conditions of existing/ prospect borrowers. Job Responsibilities:- Spreading financial statements and prepare comprehensive financial analysis including & not limited to SWOT financial analysis identifying strengths, weaknesses, opportunities and threats. - Analyze credit and financial information of current and potential Commercial Banking business customers ranging from simple to very complex in nature.- Quality check financial statement spreads for accuracy to enable informed credit decisions to be made.- Join the manager on selective basis in calling on clients and prepare call report. - Read daily and periodical business related press to be in constant update with latest business development.- Organize accounts review dates in co-ordination with relationship officers and setting up priorities for existing and setting up priorities deals.- Maintain computerized versions in an efficient and retrievable manner.- To be familiar with the bank credit policy and to be aware of amendments to this policy. - Adhere strictly to compliance and operational risk controls in accordance with the bank and regulatory standards, policies and practices; report control weaknesses, compliance breaches and operational loss events.- Attends and participates in both in-house and outside training sessions to maintain awareness of overall bank products and/or technologies to increase the skills level.- Research and assist with the preparation of credit application.