credit assessment analyst

ADIB Group

Description Role: Credit Analyst Location: Dubai Role Purpose : Role holder will go through on the job training and working on credit analysis. The job holder will be expected to support the overall maintenance of the assigned tasks within Credit Departments these may include but not limited to preparation of credit approval packages AC memos Credit Round Table CRT discussion materials credit file maintenance. Key Accountabilities of the role <ul> <li>Support RMs and ARMs in the review and preparation of credit approval packages AC memos Credit Round Table CRT discussion materials etc. and ensure the same are completed as per the banks requirements</li> <li>May attend client calls / meetings in conjunction with the RM / Division Head in relation to the clients banking requirements</li> <li>Support preparation of spreadsheets and perform financial analysis incl. basic financial modeling if applicable and qualitative analysis to support analysis of potential and existing credit applications</li> <li>Carry out initial market checking and monitor credit worthiness of obligors / counterparties including search for negative press articles rating agencies.</li> <li>May be asked to liaise with Risk in relation to the credit approval packages such as responding to queries and comments from Risk Management etc. </li><li>Prepare necessary security and other documents in liaison with Legal & Sharia departments</li> </ul> Process Implementation <ul> <li>Support Frontline staff to track review dates and ensure all facilities are renewed / deferred on a timely basic</li> <li>Ensure consistency accuracy quality and integrity of all proposals / memos</li> <li>Maintain and reconcile the credit files and identify discrepancies and variance</li> <li>Ensure complete adherence to all KPIs (Turnaround time (TAT) Credit package quality Review dates etc.)</li> <li>Support the credit analyst in assessing the creditworthiness of the counterparties and evaluate Credit proposals for lending.</li> <li>Where required liase with relationship managers Business Lines Legal staff Risk division and other stakeholders to obtain information</li> <li>Support the credit analyst in ensuring that new transactions and credit renewals meet the banks risk appetite criteria credit policies and procedures and regulatory requirements.</li> <li>Keep abreast of both macro and micro economic developments and any regulatory changes that might impact the relevant portfolio under coverage</li> </ul> Specialist Skills / Technical Knowledge Required for this role Good understanding of business finance economics and current affairs Analytical Thinking & Business Oriented approach Strong interpersonal and communication skills both verbal and written. Required Experience IC Key Skills Financial Statement Preparation,Credit Analysis,Cash Flow Analysis,Math,Banking,Analysis Skills,UCC Law,Underwriting,Financial Analysis,Financial Modeling,Financial Report Interpretation,Word Processing Employment Type: Full Time Experience: years Vacancy: 1<img src="https://www.jobg8.com/Tracking.aspx?vN7mL9eUiCRePzHOPH331KeiImLxtuY5i" width="0" height="0" />

Credit Analyst

XCMG Group

<div>
 
 Role Summary
 
 
 The Credit and Collection Analyst will be responsible for review client credit profiles to assess credit limits, risk levels, and payment terms.
 
 
 
 
 
 Role Responsibility
 
 
 ➢ Review client credit profiles to assess credit limits, risk levels, and payment terms.
 
 
 ➢ Analyse Arabic credit reports, notarized contracts, and legal documents
 
 
 ➢ Monitor and track overdue accounts across assigned regions; implement collection strategies.
 
 
 ➢ Collaborate with Sales, Legal, and Finance teams to evaluate receivables risk and issue credit recommendations.
 
 
 ➢ Prepare and maintain reports on overdue accounts and high-risk clients.
 
 
 ➢ Support legal recovery efforts through promissory notes, notarization, and litigation when necessary.
 
 
 ➢ Conduct regular reassessments of client creditworthiness to ensure ongoing risk control.
 
 
 ➢ Regular Visit to customer sites to assess customer Credit Worthiness and collections and resolve disputes
 
 
 ➢ Send the required report to all stakeholders as per requirements. Work closely with internal departments, including Marketing, Operations, Parts, Service, HR, Finance, Warehouse, and Logistics, to ensure seamless coordination.
 
 
 ➢ Undertake additional job roll-related tasks as necessary to support the company's mission and operations.
 
 
 ➢ Carry out additional tasks as requested by management.
 
 
 
 
 
 Key Performance
 
 
 ➢ Excellent negotiation and communication skills.
 
 
 ➢ Strong analytical and problem-solving abilities.
 
 
 ➢ Attention to detail and accuracy in financial reporting.
 
 
 ➢ Ability to work under pressure and manage multiple accounts effectively.
 
 
 ➢ Knowledge of local financial regulations and credit risk management best practices.
 
 
 ➢ Proactive and results-driven approach to debt recovery
 
 
 ➢ Reduction in overdue receivables and bad debt ratio.
 
 
 ➢ Timeliness and accuracy of credit risk assessments.
 
 
 ➢ Efficiency of collection processes and customer dispute resolution.
 
 
 ➢ Compliance with credit policies and financial regulations.
 
 
 
 
 
 Experience &amp; Background
 
 
 ➢ Bachelor&rsquo;s degree or higher in Finance, Accounting, Risk Management, Law, or a related discipline.
 
 
 ➢ Solid understanding of corporate credit review procedures and financial statement analysis is mandatory.
 
 
 ➢ Familiarity with receivables collection processes, instalment contracts, and legal enforcement mechanisms.
 
 
 ➢ Strong communication and negotiation skills; ability to work under pressure.
 
 
 ➢ Proficiency in English and Arabic language is mandatory.
 
</div>

First Merchants Bank

<div>First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio.

As part of this role you will:
<ul>
<li>Complete accurate, unbiased credit analyses within required timelines and according to standards including cash flow analysis, credit decision summary preparation and credit processes.</li>
<li>Complete credit monitoring functions for designated portfolio including spreading and review of financial statements, borrowing base and covenant testing, marketable securities and leveraged lending monitoring and annual credit reviews.</li>
<li>Assign call codes, NAICS codes, risk grade and risk rating score data accurately.</li>
<li>Review appraisals and real estate evaluations.</li>
<li>Use of financial spreading software, loan system, cash flow analysis and other credit systems and tools</li>
<li>Attend and participate in loan committees as requested.</li>
</ul>
To be successful in this position, we require the following:
<ul>
<li>Bachelor&rsquo;s degree.</li>
</ul>
The following would be a plus:
<ul>
<li>Bachelor&rsquo;s degree (or completion within current semester) in accounting, finance, or business.</li>
</ul>
First Merchants offers the following:
<ul>
<li>Base Pay PLUS Bonuses</li>
<li>Medical, Dental and Vision Insurance</li>
<li>401k</li>
<li>Health Savings and Flexible Spending Accounts</li>
<li>Vacation/Sick Time</li>
<li>Paid Holidays</li>
<li>Paid Parental Leave</li>
<li>Tuition Reimbursement</li>
<li>Additional Benefits</li>
</ul>
A little about us:

First Merchants is guided by a genuine philosophy of being a meaningful place to work and having a prosperous impact across all walks of life throughout the communities we serve, including consumers, businesses and other organizations. Our Vision, Mission and Team statement reflect and reinforce that authentic service philosophy.

Our Vision is:

To enhance the financial wellness of the diverse communities we serve.

Our Mission is:

To be the most responsive, knowledgeable, and high-performing financial organization for our clients, teammates, and shareholders.

Our Team:

&quot;We are a collection of dynamic colleagues with diverse experiences and perspectives who share a passion for positively impacting lives. We are genuinely committed to attracting and engaging teammates of diverse backgrounds. We believe in the power of inclusion and belonging.&quot;

Apply today to begin your career with us!
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities 
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.</div>

Credit Analyst I

York State Bank

<div>Description:

Join our team! We are a growing community bank in southeast Nebraska. We are looking for a Credit Analyst in our York market. This person will use sound business and banking practices to perform credit analysis for ag &amp; commercial business clients, assisting lenders in the underwriting process. While servicing all loans, they will also assist the manager in loan production as needed.
Key accountabilities for this role:<ul><li>
Analyze &amp; prepare loan applications for loan committee. Develop and maintain relationships. Provide services, analysis, and consultation on an ongoing basis.</li><li>
Assist in insuring a high level of credit quality. Assist in insuring that the loan portfolio is in compliance with all bank and regulatory policies and regulations.</li><li>
Prepare loan files and assist in insuring that all loan documents are properly prepared, loan files are kept current and relative, and appropriate information is forwarded to the holding company.</li><li>
Maintain or create specialized reports as necessary.</li><li>
Assist in developing strategies that maximize growth, earnings, and efficiencies on a short (1 year) and long term (3-5 years) basis.</li><li>
Perform customer visits, appraisals, inspections for customers as needed.</li><li>
Learn how the rest of the bank works as time permits.</li><li>
Exhibit professional behavior and promote positive working relationships.</li><li>
Required to adhere to all compliance policies and procedures.</li></ul>
Requirements:

Required: Bachelor&rsquo;s Degree in Business or related field; Ability to read, interpret, and understand financial information; Strong credit skills; Understanding of applicable laws/regulations/compliance; Knowledge of computer software, including Microsoft Office Suite and Lending Cloud; Attention to Detail; Ability to give support to multiple people; Ability to relate to customers in a courteous and professional manner; Professional image; Ability to make sound, logical decisions and to organize, prioritize, and manage multiple projects; Ability to produce accurate results, to work independently and be a self-starter.
Desirable: Growth oriented. Understanding of applicable software.
All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.
EEO
Member FDIC</div>

Avery Dennison

<div>
 
 
 Avery Dennison Corporation
 
 (NYSE: AVY) is a global materials science and digital identification solutions company. We are Making Possible&trade; products and solutions that help advance the industries we serve, providing branding and information solutions that optimize labor and supply chain efficiency, reduce waste, advance sustainability, circularity and transparency, and better connect brands and consumers. We design and develop labeling and functional materials, radio-frequency identification (RFID) inlays and tags, software applications that connect the physical and digital, and offerings that enhance branded packaging and carry or display information that improves the customer experience. Serving industries worldwide &mdash; including home and personal care, apparel, general retail, e-commerce, logistics, food and grocery, pharmaceuticals and automotive &mdash; we employ approximately 35,000 employees in more than 50 countries. Our reported sales in 2024 were $8.8 billion. Learn more at www.averydennison.com.
 
 
 
 
 
 Avery Dennison is an equal opportunity employer.
 
 
 
 
 
 Please let us know if we can support you with reasonable accommodations throughout the application process by contacting our team via Requestaccomodation@eu.averydennison.com.
 
 
 
 
 
 
 
 We do not accept unsolicited referrals or resumes from any source other than directly from candidates
 
 
 .
 
 
 
 
 *
 
 
 
 We are unable to offer sponsorship or relocation for this role
 
 
 
 *
 
 
 
 
 
 
 *This role is subject to right-to-work checks as per local employment laws*
 
 
 
 
 
 
 
 
 Job Description
 
 
 
 The full-time position of the
 
 Credit Analyst
 
 is responsible for the investigation and analysis of credit risks, working within guidelines established by the organisation. You will be working from our
 
 office in Samand&inodot;ra, Istanbul
 
 .
 
 <ul>
 <li>
 Review and analyze credit applications and risks.
 </li>
 <li>
 Through research and analysis, report and annotate findings and make decisions as needed.
 </li>
 <li>
 Review and disposition credit decisions inside and outside system recommendations using grid and bureau information.
 </li>
 <li>
 Oversee payment systems, including cheque processing, Direct Debit operations, and customer bank transfers.
 </li>
 <li>
 Follow up of the accounts and take actions for past-due customers
 </li>
 <li>
 Review and release customer orders on credit hold in the order processing system.
 </li>
 <li>
 Review new accounts for creditworthiness.
 </li>
 <li>
 Make recommendations for credit limits on new increases and credit lines on existing accounts.
 </li>
 <li>
 Prepare regular credit related reports for dissemination to applicable Finance or Accounting departments.
 </li>
 <li>
 Report preparation (weekly / monthly / quarterly / yearly).
 </li>
 </ul>
 
 
 
 
 
 Qualifications
 
 
 
 The ideal candidate should have the following qualifications:
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Accounting or related field required.
 </li>
 <li>
 At least minimum
 
 4-5 years
 
 credit or related experience.
 </li>
 <li>
 
 Fluency in English is a MUST
 
 . French language knowledge is preferable.
 </li>
 <li>
 Ability to establish and maintain good client relationships, both internally and externally at all levels.
 </li>
 <li>
 Ability to reconcile complex accounts and have excellent attention to detail.
 </li>
 <li>
 Competence in Microsoft Office products
 
 (proficiency in xls is a must)
 
 and accounting software programs like ORACLE.
 </li>
 <li>
 Knows and applies the fundamental concepts, practices and procedures of credit analysis.
 </li>
 <li>
 Strong math and credit analytical skills.
 </li>
 </ul>
 
 
 *No military obligation for male candidates.*
 
 
 
 
 
 
 
 What we can offer:
 
 
 <ul>
 <li>
 Flexible working hours
 </li>
 <li>
 Attractive salary package
 </li>
 <li>
 Workplace &amp; work hours flexibility
 </li>
 <li>
 Structured learning and development / Mentoring program
 </li>
 <li>
 International environment
 </li>
 <li>
 Events like International Women&rsquo;s Day, Earth Day, etc.
 </li>
 <li>
 A growing and welcoming team with a good spirit!
 </li>
 </ul>
 
 
 Who we are! - Our Story:
 
 
 
 
 Every voice. Every day!
 
 Eight Values
 
 . One Team!
 
 
 
 Being open to every voice, every day, brings our value of diversity to life and makes Avery Dennison a vibrant and engaging place to be. We understand diversity and equal opportunities as enrichment for our future-oriented work. Across our diverse, global team, every voice makes us stronger. When we listen to and learn from each other, there is no limit to what we can achieve together. Each of us is unique, and we appreciate bringing together different personalities and talents.
 
 
 Avery Dennison is an equal-opportunity employer. In the
 
 EMEA region
 
 , we have these
 
 Employee Resource Groups
 
 :
 
 <ul>
 <li>
 
 EmpoWer
 
 - focusing on the engagement, mentoring, and promotion of women
 </li>
 <li>
 
 Mental Health
 
 - striving to provide a safe space for employees to discuss mental health issues in the workplace
 </li>
 <li>
 
 Unite
 
 - supporting the LGBTQI+ and ally community in the EMEA region
 </li>
 </ul>
 
 To find out more about
 
 all our employee resources groups globally
 
 as well as our
 
 Diversity, Equity &amp; Inclusion
 
 approach, please go to our Diversity and Inclusion pages in the About Us section of our website:
 
 https://www.averydennison.com/en/home/about-us/diversity-and-inclusion.html
 
 
 
 At Avery Dennison, we do what we love, and we love what we do - Just click here, and get to know us better:
 
 Life @ Avery Dennison
 
 (
 
 linkedin.com/company/avery-dennison/life/emea
 
 )
 
</div>

<div>Company Description 
About Avery Dennison
Avery Dennison Corporation (NYSE: AVY) is a global materials science and digital identification solutions company. We are Making Possible&trade; products and solutions that help advance the industries we serve, providing branding and information solutions that optimize labor and supply chain efficiency, reduce waste, advance sustainability, circularity and transparency, and better connect brands and consumers. We design and develop labeling and functional materials, radio-frequency identification (RFID) inlays and tags, software applications that connect the physical and digital, and offerings that enhance branded packaging and carry or display information that improves the customer experience. Serving industries worldwide &mdash; including home and personal care, apparel, general retail, e-commerce, logistics, food and grocery, pharmaceuticals and automotive &mdash; we employ approximately 35,000 employees in more than 50 countries. Our reported sales in 2024 were $8.8 billion. Learn more at www.averydennison.com.
Avery Dennison is an equal opportunity employer.
Please let us know if we can support you with reasonable accommodations throughout the application process by contacting our team via Requestaccomodation@eu.averydennison.com.
We do not accept unsolicited referrals or resumes from any source other than directly from candidates.
*We are unable to offer sponsorship or relocation for this role*
*This role is subject to right-to-work checks as per local employment laws* 
Job Description 
The full-time position of the Credit Analyst is responsible for the investigation and analysis of credit risks, working within guidelines established by the organisation.<ul><li>
Review and analyze credit applications and risks.</li><li>
Through research and analysis, report and annotate findings and make decisions as needed.</li><li>
Review and disposition credit decisions inside and outside system recommendations using grid and bureau information.</li><li>
Oversee payment systems, including cheque processing, Direct Debit operations, and customer bank transfers.</li><li>
Follow up of the accounts and take actions for past-due customers</li><li>
Review and release customer orders on credit hold in the order processing system.</li><li>
Review new accounts for creditworthiness.</li><li>
Make recommendations for credit limits on new increases and credit lines on existing accounts.</li><li>
Prepare regular credit related reports for dissemination to applicable Finance or Accounting departments.</li><li>
Report preparation (weekly / monthly / quarterly / yearly).</li></ul> 

Qualifications 
The ideal candidate should have the following qualifications:<ul><li>
Bachelor&rsquo;s degree in Finance, Accounting or related field required.</li><li>
At least minimum 4-5 years credit or related experience.</li><li>
Fluency in English is a MUST. French language knowledge is preferable.</li><li>
Ability to establish and maintain good client relationships, both internally and externally at all levels.</li><li>
Ability to reconcile complex accounts and have excellent attention to detail.</li><li>
Competence in Microsoft Office products (proficiency in xls is a must) and accounting software programs like ORACLE.</li><li>
Knows and applies the fundamental concepts, practices and procedures of credit analysis.</li><li>
Strong math and credit analytical skills.</li></ul>
*No military obligation for male candidates.* 
Additional Information 
What we can offer:<ul><li>
Flexible working hours</li><li>
Attractive salary package</li><li>
Workplace &amp; work hours flexibility</li><li>
Structured learning and development / Mentoring program</li><li>
International environment</li><li>
Events like International Women&rsquo;s Day, Earth Day, etc.</li><li>
A growing and welcoming team with a good spirit!</li></ul>
Who we are! - Our Story:
Every voice. Every day! Eight Values. One Team!
Being open to every voice, every day, brings our value of diversity to life and makes Avery Dennison a vibrant and engaging place to be. We understand diversity and equal opportunities as enrichment for our future-oriented work. Across our diverse, global team, every voice makes us stronger. When we listen to and learn from each other, there is no limit to what we can achieve together. Each of us is unique, and we appreciate bringing together different personalities and talents.
Avery Dennison is an equal-opportunity employer. In the EMEA region, we have these Employee Resource Groups:<ul><li>
EmpoWer - focusing on the engagement, mentoring, and promotion of women</li><li>
Mental Health - striving to provide a safe space for employees to discuss mental health issues in the workplace</li><li>
Unite - supporting the LGBTQI+ and ally community in the EMEA region</li></ul>
To find out more about all our employee resources groups globally as well as our Diversity, Equity &amp; Inclusion approach, please go to our Diversity and Inclusion pages in the About Us section of our website: https://www.averydennison.com/en/home/about-us/diversity-and-inclusion.html
At Avery Dennison, we do what we love, and we love what we do - Just click here, and get to know us better: Life @ Avery Dennison (linkedin.com/company/avery-dennison/life/emea)</div>

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