credit product analyst

UBL UAE

<div>
 
 UBL UAE is seeking for a highly analytical and detail-oriented professional to join our Financial Institutions team as Credit Analyst. The ideal candidate will be responsible for evaluating the creditworthiness of banks, non-banking financial companies (NBFCs), and insurance firms. This role requires a solid understanding of financial analysis, regulatory frameworks, and market dynamics impacting financial institutions.
 
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 
 
 
 
 
 1. Credit Evaluation &amp; Risk Assessment
 
 
 <ul>
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 Conduct in-depth credit assessments of counterparties including banks, NBFCs, and insurance firms using financial, regulatory, and qualitative criteria.
 </li>
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 Prepare comprehensive credit proposals, assign internal risk ratings, and recommend appropriate exposure limits.
 </li>
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 Evaluate entity-level risks including capital adequacy, asset quality, funding and liquidity profiles, earnings stability, and management quality.
 </li>
 </ul>
 
 
 2. Portfolio Management &amp; Risk Monitoring
 
 
 <ul>
 <li>
 Continuously monitor the credit portfolio for early warning signals, deteriorating credit metrics, and industry developments.
 </li>
 <li>
 Ensure periodic credit reviews are completed in line with internal policies and regulatory guidelines (e.g., Basel norms).
 </li>
 <li>
 Track macroeconomic, regulatory, and sectoral developments affecting portfolio counterparties.
 </li>
 </ul>
 
 
 3. Credit Support &amp; Stakeholder Coordination
 
 
 <ul>
 <li>
 Work closely with Relationship Managers (RMs) to support deal structuring, credit analysis, and approval processes.
 </li>
 <li>
 Present credit assessments and recommendations to Credit Committees.
 </li>
 <li>
 Ensure effective alignment of risk appetite with business objectives and transaction structures.
 </li>
 </ul>
 
 
 4. Relationship Management &amp; Market Intelligence
 
 
 <ul>
 <li>
 Develop and maintain relationships with senior stakeholders across financial institutions.
 </li>
 <li>
 Stay abreast of market trends, regulatory changes, monetary policies, and liquidity movements to proactively assess risks and opportunities.
 </li>
 </ul>
 
 
 5. Product Expertise &amp; Structuring
 
 
 <ul>
 <li>
 Demonstrate strong knowledge of FI-specific products such as:
 </li>
 <li>
 Trade Finance
 </li>
 <li>
 Syndicated Lending
 </li>
 <li>
 Custody Services
 </li>
 <li>
 Liquidity Management Solutions
 </li>
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 Provide input on product structuring and tailor credit solutions that balance client needs with the bank&rsquo;s risk appetite.
 </li>
 </ul>
 
 
 
 
 
 
 Key Requirements:
 
 
 
 
 
 
 <ul>
 <li>
 Bachelor's/Master&rsquo;s degree in Finance, Economics, Accounting, or related field; CFA/FRM qualifications are a plus.
 </li>
 <li>
 4&ndash;6 years of relevant experience in credit analysis or risk management within a bank or financial institution.
 </li>
 <li>
 In-depth knowledge of regulatory and rating frameworks.
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 Excellent written and verbal communication skills for effective report writing and presentations.
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 Strong stakeholder management and collaboration skills.
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 <li>
 Analytical mindset with the ability to manage multiple priorities in a fast-paced environment.
 </li>
 <li>
 Strong financial statement analysis and credit modelling skills.
 </li>
 </ul>
</div>

Credit Analyst - Financial Institutions

NJT FINANCE PRIVATE LIMITED

About the Company: NJT Finance Private Limited is a leading NBFC specializing in business loans for SMEs and MSMEs. We are committed to providing fast, flexible, and reliable credit solutions to support business growth.Role Overview: The Credit Analyst will be responsible for assessing loan applications, analyzing financial documents, evaluating creditworthiness, and recommending loan decisions in line with internal policies and risk frameworks.Key Responsibilities:<ul><li>Evaluate business loan proposals received from sales teams and channels.</li><li>Analyze financial statements, bank statements, GST returns, ITRs, and other business documents.</li><li>Conduct background checks, market references, and due diligence on applicants.</li><li>Perform credit risk assessment and prepare detailed credit appraisal notes.</li><li>Recommend sanction decisions within defined authority levels or escalate for approval.</li><li>Coordinate with Operations, Sales, and Risk teams for smooth processing.</li><li>Ensure compliance with company credit policies and regulatory guidelines.</li></ul>Required Qualifications &amp; Skills:<ul><li>CA Intermediate/Master&rsquo;s degree in Finance, Commerce, Business, or related fields.</li><li>2 years of experience as a Credit Analyst / Underwriter in NBFC/Bank (Business Loans / SME Loans preferred).</li><li>Strong knowledge of financial statement analysis, cash flow assessment, and credit risk evaluation.</li><li>Proficiency in MS Excel and financial ratio analysis.</li><li>Good communication, documentation, and decision-making skills.</li></ul>Job Type: Full-timePay: &#8377;25,000.00 - &#8377;35,000.00 per monthWork Location: In person

Credit Analyst

Loyal To Cumbria

We are looking for a diligent and detail-oriented Credit Analyst to join our finance team. The Credit Analyst will be responsible for assessing the creditworthiness of individuals, businesses, and organizations to support sound lending and investment decisions. This role involves analyzing financial data, preparing credit reports, and providing recommendations that balance risk with business opportunity. The ideal candidate has strong analytical skills, solid financial knowledge, and the ability to make objective, data-driven decisions.Key Responsibilities<ul><li>Evaluate the financial health of prospective and existing clients by analyzing financial statements, credit reports, and payment histories</li><li>Assess credit risk using quantitative models, ratio analysis, and other financial metrics</li><li>Prepare detailed credit assessments and present recommendations to management or credit committees</li><li>Monitor existing credit accounts for signs of deteriorating performance or potential risk exposure</li><li>Assist in setting appropriate credit limits and terms based on financial analysis and company policies</li><li>Conduct market and industry research to assess external factors that may impact credit risk</li><li>Support the development and implementation of credit risk management strategies and procedures</li><li>Collaborate with sales, finance, and legal teams to ensure alignment on credit policies and customer management</li><li>Maintain accurate and organized credit files and ensure compliance with company and regulatory requirements</li><li>Prepare regular reports and updates on credit portfolio performance</li></ul>QualificationsEducation:Bachelor s degree in Finance, Accounting, Economics, or a related fieldSkills<ul><li>Strong analytical and quantitative abilities with excellent attention to detail</li><li>Proficiency in Excel and financial analysis software; experience with systems such as Moody s RiskCalc, S&amp;P Capital IQ, or Bloomberg is an asset</li><li>Ability to interpret complex financial data and present findings clearly and concisely</li><li>Excellent written and verbal communication skills</li><li>Strong judgment and decision-making skills in evaluating credit risk</li><li>Ability to work independently and collaboratively in a fast-paced environment</li></ul>

USALLIANCE Financial

<div>About Us:
At USALLIANCE, we pride ourselves on innovation, teamwork, training and development and career planning. As part of our team, you will have the opportunity to grow both personally and professionally in an inclusive and supportive environment. Represent USALLIANCE in the community and form lasting relationships with our members and partners.
About This Role:
As a member of the finance team, you will analyze competitive trends and support USALLIANCE&rsquo;s objectives of having highly competitive and market-leading deposit products. You will collaborate closely with finance, marketing, and other technical teams to develop and implement data-driven strategies aimed at driving growth and profitability. You will play a significant role in shaping deposit product features and recommending pricing to ensure USALLIANCE delivers exceptional deposit products for its members.
Key Responsibilities:<ul><li>
Monitor competitors and market trends to identify competitive strengths, weaknesses, and opportunities for deposit product improvement and growth.</li><li>
Collaborate with cross-functional service and technical teams to implement product feature changes, focusing on target demographic needs, product feature benchmarking, service delivery, and profitability.</li><li>
Analyze trends in membership growth, deposit flows, and service execution and make recommendations for deposit product or feature enhancements.</li><li>
Use financial tools to measure, monitor, and forecast interest and non-interest expenses attributed to deposit products and to support planning and decision-making.</li><li>
Contribute to the preparation of the monthly cash flow forecast report by analyzing and projecting deposit flows and month-end balances.</li><li>
Assist in preparing monthly financial reports for senior management and the board of directors.</li><li>
Remain current with applicable laws and regulations to ensure ongoing compliance.</li></ul>
Who you are:<ul><li>
Must have minimum of 4 years of product analyst or related experience.</li><li>
Bachelor&rsquo;s degree in accounting, finance, or a related field.</li><li>
Experience in financial analysis, preferably in the financial services sector.</li><li>
Proven ability to extract data, build reports, and interpret results.</li><li>
Analytical and problem-solving skills, with demonstrated capability to analyze complex data sets and derive actionable insights.</li><li>
Communication and presentation skills, with proficiency in conveying complex information clearly and concisely.</li><li>
Proficiency in financial and data analysis tools, such as Microsoft Excel. SQL is a bonus.</li><li>
Familiarity with financial industry regulations and compliance standards.</li><li>
A passion for digital innovation and a strong desire to make a meaningful impact on the future of finance.</li></ul>
What We Offer:<ul><li>
Competitive salary and benefits package</li><li>
Opportunities for professional development and career growth</li><li>
Hybrid Schedule (min 3 days in office to maximize collaboration)</li><li>
A collaborative and inclusive work environment</li><li>
Paid Time Off, Wellness Time &amp; Paid Federal holidays</li><li>
401K with 6% match</li><li>
High Performance Culture</li></ul>
Become a part of a team where your ideas are valued, your growth is supported, and your work makes a difference. Apply today and take the next step in your career with USALLIANCE. 
EQUAL OPPORTUNITY EMPLOYER
USALLIANCE Federal Credit Union, as an Equal Opportunity Employer, values and supports the diverse cultures, perspectives, skills, and experiences within our workforce.
This job description is for informational purposes only and should not be construed as a complete listing of the job responsibilities and requirements. This job description may be modified at any time, for any reason, at the sole discretion of management.
At this time, USAlliance Federal Credit Union will not sponsor a new applicant for employment authorization or offer any immigration related support for this position (i.e., H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, or another type of work authorization).
If you need sponsorship now or in the future, look for this statement in the job description before you apply: &ldquo;USAlliance Federal Credit Union will consider sponsoring a new, qualified applicant for employment authorization for this position&rdquo;. If this is not listed in the job description, USAlliance Federal Credit Union will not provide sponsorship for the candidate to work in the United States.
It is unlawful for USAlliance to require or administer a lie detector test as a condition of employment or continued employment. In accordance with applicable state laws, an employer who violates this law shall be subject to criminal penalties and civil liability. 
In the spirit of pay transparency, we are excited to share the base salary/hourly range for this position is $73,979.75 - $94,324.18, exclusive of fringe benefits or potential incentives. This position is also eligible for an annual corporate bonus. If you are hired at USALLIANCE Federal Credit Union, your final base salary compensation will be determined based on factors such as skills, education, and/or experience. In addition to those factors, we believe in the importance of pay equity and consider the internal equity of our current team members as a part is any final offer. Please keep in mind that the range mentioned above is the full base salary for the role. Hiring at the maximum of the range would not be typical to allow for future and continued salary growth. We also offer a generous compensation and benefits package.
All positions must adhere to standard BSA/AML policies, procedures, and processes. Employees must demonstrate awareness of business functions and how business decisions affect financial and/or non-financial work results.</div>

Deposit Product Analyst

Little Horn State Bank

The Credit Analyst position is a learning and training position that can lead to a future as a lender or other positions within the bank. This position will start in the teller and Operations area of the bank. The position will progress into the backroom of lending &ndash; from gathering data, analyzing cash flows, building financial statements, building loan presentations and verifying information on borrowers. Analyst will have the ability to provide excellent customer service, not only with bank customers but also with co-workers throughout the bank. They would be able to learn quickly and be open to handling a challenging environment daily. The Analyst is responsible for learning compliance and regulations, while generating loans of all types in accordance with established loan and compliance guidelines. This position may have customer interaction ranging from marketing to collection activities. The analyst shall be a contributing member of daily functioning of the bank. Promote the improvement of Little Horn State Bank through quality customer service, promotion of products, professionalism in conduct and diligent work ethic. Greet all customers pleasantly and make them feel welcome. Handle transactions quickly and professionally, use effective listening skills to identify and resolve customer needs.Job Type: Full-timePay: $30,000.00 - $50,000.00 per yearBenefits:<ul><li>401(k)</li><li>401(k) matching</li><li>Dental insurance</li><li>Flexible schedule</li><li>Flexible spending account</li><li>Health insurance</li><li>Health savings account</li><li>Paid time off</li><li>Retirement plan</li><li>Vision insurance</li></ul>Education:<ul><li>High school or equivalent (Preferred)</li></ul>Experience:<ul><li>Fair Housing Regulations: 1 year (Preferred)</li><li>Loan Processing: 2 years (Preferred)</li></ul>Work Location: In person

First Abu Dhabi Bank

Position Overview First Abu Dhabi Bank (FAB), the largest bank in the UAE and a global leader in financial services, is seeking a detail-oriented and analytical Credit Analyst to join its Personal Banking Credit team in Dubai. The role focuses on reviewing, assessing, and recommending mortgage loan applications, ensuring credit risk is properly evaluated and aligned with internal policies. Ideal for a finance professional with a strong background in credit analysis and risk assessment in the banking sector. Job Details Location: United Arab Emirates Location: Dubai Industry: Banking / Mortgage Professionals Function: Financial Analysis Gender: Any Candidate Nationality: Any Candidate Preferred Location: Any Job Type: Full-time Key Responsibilities * Evaluate creditworthiness of clients by analyzing financial statements, bank data, and credit history * Prepare and review credit proposals related to mortgage loans in compliance with bank policies * Ensure all required documentation is complete, accurate, and aligned with regulatory and audit requirements * Highlight credit risks, policy deviations, and suggest risk mitigants in proposals submitted for approval * Monitor and manage exceptions such as incomplete or deferred security documents * Process applications through internal systems (e.g., CAS) within specified service level agreements * Conduct external verifications such as Employment Verification (EV) and Contact Point Verification (CPV) * Coordinate with other internal departments to support application processing and approvals * Maintain productivity reports and submit regular updates to the reporting manager * Maintain professional conduct and effective communication with internal stakeholders * Continuously update knowledge on regulatory standards, bank policies, and credit evaluation techniques Candidate Profile * Bachelor s degree in Business Administration, Finance, Banking, or related discipline * Minimum 3 years of experience in credit analysis or risk assessment, including 1 year in a similar role * Strong understanding of banking products, particularly in personal and mortgage lending * Knowledge of Central Bank regulations, credit risk policies, and underwriting practices * High attention to detail, accuracy, and confidentiality in reviewing financial data * Excellent communication and interpersonal skills for cross-functional coordination * Proficiency in internal banking systems and productivity reporting tools Why Join FAB At FAB, you will be empowered to take ownership of your work, contribute to meaningful projects, and grow within a progressive banking institution. FAB offers a collaborative culture, strong leadership support, and a commitment to excellence, diversity, and innovation.

Credit Analyst Personal Banking Mortgage Lending

ThompsonGas

<div>ThompsonGas is the nation&rsquo;s fastest growing propane retailer, and we are looking for innovative, outside of the box thinkers who want to make an impact. We are rethinking the way we do business and, as a result, our employees are empowered to take an idea and run with it. If you are looking for an environment that will allow you the freedom to drive change, create an unrivaled customer experience and have fun while you&rsquo;re doing it &ndash; then ThompsonGas is for you!
We are seeking an Area Credit Analyst to join our growing credit and collections team! This role will support our Coastal Plains area. Reporting to the Director of Quality Assurance, but having dotted lines to area leadership, the Area Credit Analyst will manage all credit and collections activities within assigned territories utilizing company billing, collection, and financial reporting systems.
Essential Job Duties:<ul><li>
Manage all credit and collections activities within assigned territories utilizing available data from company&rsquo;s billing and collection systems.</li><li>
Partner with the Area Vice Presidents and Area Customer Service Managers on achieving and reporting on all collection performances.</li><li>
Monitors and enforces financial policies, procedures, and internal controls relating to the collection process.</li><li>
Review, prepare, and proactive analysis of weekly collection statuses and updates.</li><li>
Key liaison to third party collection agency.</li><li>
Able to comfortably communicate during interaction with internal and external customers.</li><li>
Coordinate late notice administration and maintain credit hold release within assigned territories.</li><li>
Perform comprehensive collections outreach via outbound calls to negotiate payment resolutions and ensure timely recovery.</li><li>
Effectively negotiate with sensitive or high dollar customers during collection or dispute resolution.</li><li>
Monthly Budget renewals, reviews, and collections.</li><li>
Other duties as assigned.</li></ul> 
Education and Experience:<ul><li>
A bachelor&rsquo;s degree in finance or related degree preferred.</li><li>
2+ years of experience in corporate credit and collections environment.</li><li>
Experience in retail energy and gas, specifically propane industry preferred, but not required.</li><li>
Selected candidate must be customer service oriented, a self-starter and highly driven.</li><li>
Advanced system skills and experience with Microsoft Office (Word/Excel) required.</li><li>
Problem solving and analytical skills required.</li><li>
Must be able to effectively overcome objections while balancing Empathy with Collections.</li></ul> 
PERKS WITH US!<ul><li>
Medical, Dental, Vision, and 401k with IMMEDIATE eligibility</li><li>
Disability and life insurance</li><li>
Paid time off that increases with tenure</li><li>
Daily Pay Option that offers great flexibility and financial control</li><li>
Employee training programs with career development/advancement opportunities</li><li>
Employee recognition program</li><li>
Quarterly bonus potential</li><li>
Paid maternal and parental leave benefits</li><li>
Tuition reimbursement program</li></ul> 
ThompsonGas provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, ThompsonGas complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, and transfer, leaves of absence, compensation and training.</div>

Area Credit Analyst

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