2 254 Credit Analyst jobs in Bahrain

Mission:

The mission of a Credit Analyst, known internally as Portfolio Management Officer, is to monitor assigned loans within the loan portfolio ensuring accurate risk ratings are assigned, identifying early warning signals and recommending appropriate action. Portfolio Management Officers also monitor and administer construction loans in accordance with standards outlined in credit policy. By doing this, they ensure the stability, profitability, and regulatory compliance of the loan portfolio while effectively managing risk and maximizing shareholder value.

Key Results

• Maintain 90% compliance rate for loan reviews
• QC and process construction draw requests within 5 business days of receiving the inspector's final report
• Ensure 100% of loan extensions are processed, or loan is handed over to Special Assets, prior to loan maturity

Core Competencies

• Analytical Thinking
• Attention to Detail
• Collaborating with Others
• Decision Making
• Problem Solving

Responsibilities

• Conduct periodic credit risk analyses of assigned loans within the loan portfolio, ensuring accurate risk ratings are assigned.
• Engage with clients proactively and independently to gather the information necessary to complete analyses and make informed decisions.
• Draft and present clear credit in written loan reviews that accurately capture the credit risk of each loan including the financial capacity of the borrower, the performance of the property and the current value of collateral.
• Utilize US based resources to assess risk exposure within the loan portfolio, including probabilities of default and loss given default.
• Monitor the performance of assigned loans within the loan portfolio, identifying early warning signals and recommending appropriate action.
• Conduct industry research and analysis to understand market trends and identify potential risks.
• Monitor and administer construction loans, including tracking budgets, monitoring completion schedules, reviewing third-party reports and ensuring draws are funded timely.
• Ensure compliance with all relevant laws, regulations and internal policies.
• Communicate effectively with internal stakeholders to provide updates on portfolio performance and risk trends.
• Stay informed about changes in regulatory requirements and industry best practices to maintain compliance and mitigate legal and regulatory risks.
• Travel may be required for training purposes.

Requirements

• Minimum 3 years of experience in commercial lending, preferably with a focus in commercial real estate and hospitality
• Bachelor's degree Finance or Accounting with strong academic record
• Strong analytical skills with the ability to interpret complex financial data and identify key risk factors
• Ability to work independently with minimal supervision
• Strong attention to detail and ability to identify discrepancies in data
• Proficiency in financial software, data analytics tools, and spreadsheet applications (such as Excel)
• Excellent verbal and written communication skills in English with the ability to articulate findings and recommendations effectively and concisely
• Ability to work in a fast-paced and multi-national environment
• Ability to multi-task, solve problems and think quickly
• Willing to work US hours (i.e. 4:00 pm to 1:00 am Bahrain Time)
• Job: Full Time
• Type: Usually Work From Office, Friday is working and weekly off is on Saturday & Sunday's.
• Holiday: Not Bahrain holidays, it will be mostly US or based on business requirements
• Work Permit: Candidate should have required work permit for Bahrain.

Company Description

AM Consulting is a management consulting practice based in the Kingdom of Bahrain, The company offers high-quality services in Consulting, Advisory, Digital Automation and AI, in Bahrain and Saudi Arabia.

Role Description

This is a full-time, on-site role for a Credit Analyst located in Manama. The Credit Analyst will be responsible for evaluating financial information, assessing creditworthiness, and analyse credit data to determine the risk involved in lending money to clients. Daily tasks include preparing detailed credit reports, monitoring existing accounts, and collaborating with other financial professionals to recommend credit decisions. Additionally, the role involves communicating with clients to gather necessary financial information and clarify any inquiries related to credit proposals.

Qualifications

• Strong skills in Credit Management and Credit
• Minimum 5 years of prior working experience as Credit analyst.
• Proficient in Finance and possessing excellent Analytical Skills
• Candidates with Post qualification experience will be preferred.
• Attention to detail and ability to work in a team environment

• Analyze financial statements, cash flow, collateral, and business prospects of corporate clients to assess credit risk.
• Prepare comprehensive credit memorandums and loan proposals for new credit facilities and renewals.
• Monitor existing loan portfolios, identifying potential risks and ensuring compliance with loan covenants.
• Conduct industry and market research to understand economic conditions and their impact on borrowers.
• Develop and maintain relationships with clients, understanding their business operations and financial needs.
• Work closely with loan officers and relationship managers to structure credit facilities that meet client requirements and institutional risk appetite.
• Perform financial modeling and sensitivity analysis to evaluate loan repayment capacity under various scenarios.
• Ensure adherence to all regulatory requirements, internal credit policies, and procedures.
• Present credit recommendations to senior management and credit committees.
• Identify opportunities to cross-sell other bank products and services to clients.
• Stay updated on credit best practices, regulatory changes, and market trends.
• Contribute to the ongoing improvement of credit assessment processes and tools.
• Provide guidance and mentorship to junior credit analysts.

• Bachelor's degree in Finance, Accounting, Economics, or a related business field. Master's degree or MBA is a plus.
• Minimum of 5-7 years of progressive experience in credit analysis, commercial lending, or financial risk management.
• Proven expertise in analyzing corporate financial statements, tax returns, and business plans.
• Strong understanding of credit principles, lending practices, and risk assessment methodologies.
• Proficiency in financial modeling and forecasting techniques.
• Excellent analytical, problem-solving, and critical thinking skills.
• Strong written and verbal communication skills, with the ability to articulate complex financial information clearly.
• Detail-oriented with a high degree of accuracy.
• Ability to manage multiple assignments simultaneously and meet deadlines.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Experience with commercial credit scoring systems is advantageous.

• Analyze financial statements, cash flow, and collateral for loan applicants.
• Assess the credit risk associated with commercial and corporate loans.
• Prepare detailed credit memorandums and reports for loan committees.
• Make recommendations on loan approvals, terms, and conditions.
• Monitor the performance of existing loan portfolios and identify potential credit issues.
• Conduct covenant compliance testing and financial projections.
• Maintain strong relationships with relationship managers and clients.
• Ensure compliance with all internal credit policies and regulatory requirements.
• Stay updated on industry trends and economic conditions affecting credit risk.
• Assist in the development and refinement of credit policies and procedures.

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• 5+ years of experience in credit analysis, commercial lending, or financial risk management.
• Strong understanding of financial statement analysis, ratio analysis, and cash flow forecasting.
• Proficiency in financial modeling and Excel.
• Knowledge of loan structuring and risk mitigation techniques.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong written and verbal communication skills.
• Familiarity with regulatory requirements in the financial services industry.
• Ability to work independently and manage a demanding workload.

Career Opportunities with Avana Companies

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Want to learn more about how you can join our family? View our openings below and be sure to check back often, as our family is constantly growing!

Mission:
The mission of a Credit Analyst, known internally as Portfolio Management Officer, is to monitor assigned loans within the loan portfolio ensuring accurate risk ratings are assigned, identifying early warning signals and recommending appropriate action. Portfolio Management Officers also monitor and administer construction loans in accordance with standards outlined in credit policy. By doing this, they ensure the stability, profitability, and regulatory compliance of the loan portfolio while effectively managing risk and maximizing shareholder value.

Key Results

• Maintain 90% compliance rate for loan reviews
• QC and process construction draw requests within 5 business days of receiving the inspector’s final report
• Ensure 100% of loan extensions are processed, or loan is handed over to Special Assets, prior to loan maturity

Core Competencies

• Analytical Thinking
• Attention to Detail
• Collaborating with Others
• Decision Making
• Problem Solving

Responsibilities

• Conduct periodic credit risk analyses of assigned loans within the loan portfolio, ensuring accurate risk ratings are assigned.
• Engage with clients proactively and independently to gather the information necessary to complete analyses and make informed decisions.
• Draft and present clear credit in written loan reviews that accurately capture the credit risk of each loan including the financial capacity of the borrower, the performance of the property and the current value of collateral.
• Utilize US based resources to assess risk exposure within the loan portfolio, including probabilities of default and loss given default.
• Monitor the performance of assigned loans within the loan portfolio, identifying early warning signals and recommending appropriate action.
• Conduct industry research and analysis to understand market trends and identify potential risks.
• Monitor and administer construction loans, including tracking budgets, monitoring completion schedules, reviewing third-party reports and ensuring draws are funded timely.
• Ensure compliance with all relevant laws, regulations and internal policies.
• Communicate effectively with internal stakeholders to provide updates on portfolio performance and risk trends.
• Stay informed about changes in regulatory requirements and industry best practices to maintain compliance and mitigate legal and regulatory risks.
• Travel may be required for training purposes.

Requirements

• Minimum 3 years of experience in commercial lending, preferably with a focus in commercial real estate and hospitality
• Bachelor's degree Finance or Accounting with strong academic record
• Strong analytical skills with the ability to interpret complex financial data and identify key risk factors
• Ability to work independently with minimal supervision
• Strong attention to detail and ability to identify discrepancies in data
• Proficiency in financial software, data analytics tools, and spreadsheet applications (such as Excel)
• Excellent verbal and written communication skills in English with the ability to articulate findings and recommendations effectively and concisely
• Ability to work in a fast-paced and multi-national environment
• Ability to multi-task, solve problems and think quickly
• Willing to work US hours (i.e. 4:00 pm to 1:00 am Bahrain Time)
• Job : Full Time
• Type : Usually Work From Office, Friday is working and weekly off is on Saturday & Sunday's.
• Holiday: Not Bahrain holidays, it will be mostly US or based on business requirements
• Work Permit: Candidate should have required work permit for Bahrain.

• Develop and refine credit risk models to assess borrower default probabilities and loss given default.
• Analyze financial data, credit reports, and economic indicators to evaluate credit risk.
• Monitor the credit quality of the loan portfolio and identify potential areas of concern.
• Conduct stress testing and scenario analysis to understand portfolio resilience under adverse conditions.
• Prepare comprehensive credit risk reports for senior management and regulatory bodies.
• Develop and implement credit risk policies and procedures to ensure compliance and best practices.
• Collaborate with business units to support risk-based decision-making in lending activities.
• Stay updated on industry best practices, regulatory changes, and emerging trends in credit risk management.

• Master's degree in Finance, Economics, Mathematics, Statistics, or a related quantitative field.
• 5-7 years of experience in credit risk analysis within the banking or financial services sector.
• Proficiency in statistical modeling software (e.g., R, Python, SAS) and database management (SQL).
• Strong understanding of financial markets, credit products, and risk management frameworks.
• Excellent analytical, quantitative, and problem-solving skills.
• Ability to interpret and present complex financial information effectively to diverse audiences.
• Familiarity with regulatory requirements (e.g., Basel Accords) is a plus.
• Strong communication and interpersonal skills.

• Develop, validate, and implement credit risk models and methodologies.
• Analyze financial data and assess the creditworthiness of corporate and retail clients.
• Monitor and manage the credit risk exposure of the loan portfolio.
• Perform regular portfolio stress testing and scenario analysis.
• Identify and report on credit risk trends, concentrations, and emerging threats.
• Develop and recommend credit policies, limits, and approval processes.
• Prepare comprehensive credit risk reports for senior management and regulatory bodies.
• Collaborate with business development and loan origination teams to ensure risk considerations are integrated.
• Stay abreast of regulatory changes and industry best practices in credit risk management.
• Contribute to the continuous improvement of risk management frameworks and systems.

• Master's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field.
• Minimum of 5-7 years of experience in credit risk analysis or management within the banking/financial services sector.
• Strong understanding of credit risk modeling techniques, financial statement analysis, and probability of default calculations.
• Proficiency in statistical software (e.g., R, Python, SAS) and database management (SQL).
• Excellent analytical, quantitative, and problem-solving skills.
• Strong communication and presentation skills, with the ability to explain complex concepts clearly.
• Familiarity with regulatory requirements (e.g., Basel Accords).
• Ability to work independently and manage multiple priorities in a remote setting.

• Rotations through various departments within the finance division, including financial planning and analysis, investment research, and corporate finance.
• Exposure to real-world financial projects and tasks under the guidance of experienced mentors.
• Learning to conduct financial analysis, including data gathering, modeling, and interpretation of financial statements.
• Assisting in the preparation of financial reports, presentations, and market research summaries.
• Developing a strong understanding of financial principles, market dynamics, and regulatory frameworks.
• Participating in team meetings and contributing to strategic discussions.
• Gaining practical skills in financial software and analytical tools.
• Receiving mentorship and professional development support throughout the program.
• Understanding the importance of compliance and ethical conduct in the financial industry.
• Opportunity to contribute to significant projects and demonstrate potential for future roles within the company.

• A recent Bachelor's degree in Finance, Economics, Accounting, Business Administration, or a related quantitative field.
• A strong academic record and demonstrated interest in financial markets and analysis.
• Excellent analytical, quantitative, and problem-solving skills.
• Proficiency in Microsoft Excel is essential; knowledge of other financial software or programming languages (e.g., Python, SQL) is a plus.
• Strong written and verbal communication skills.
• A proactive attitude, a keen willingness to learn, and the ability to work effectively in a team.
• High level of integrity and attention to detail.
• Candidates should be eager to develop a long-term career in the financial sector.

• Develop, validate, and implement quantitative models for credit risk assessment, including probability of default (PD), loss given default (LGD), and exposure at default (EAD).
• Analyze large datasets of historical financial information to identify patterns and predict credit behavior.
• Design and conduct rigorous backtesting and sensitivity analysis to ensure model robustness and accuracy.
• Collaborate with business units, IT, and other risk functions to gather requirements and deploy models into production environments.
• Monitor model performance and provide regular updates and reports to senior management and regulatory bodies.
• Stay current with regulatory changes (e.g., Basel accords) and industry best practices in credit risk modeling.
• Contribute to the development of risk management strategies and policies.
• Utilize advanced statistical and machine learning techniques to enhance existing models and explore new modeling approaches.
• Document model methodologies, assumptions, and limitations thoroughly.
• Assist in the development of model risk management frameworks and control processes.

• Master's or Ph.D. in a quantitative field such as Statistics, Mathematics, Economics, Finance, or a related discipline.
• 3-5 years of experience in quantitative analysis, specifically within credit risk modeling in a banking or financial institution.
• Strong theoretical and practical knowledge of statistical modeling, econometrics, and machine learning techniques applied to credit risk.
• Proficiency in programming languages such as Python, R, or SAS, and experience with statistical modeling libraries.
• Experience with SQL and working with large relational databases.
• Solid understanding of credit products (e.g., loans, credit cards, derivatives) and their associated risks.
• Excellent analytical, problem-solving, and communication skills.
• Ability to work independently and effectively manage multiple projects in a remote setting.
• Familiarity with regulatory requirements related to credit risk modeling is a significant advantage.