About the Role We are seeking a detail-oriented and analytical Credit Assessment Specialist to evaluate financing applications from Small and Medium Enterprises (SMEs). The successful candidate will be responsible for assessing creditworthiness, analyzing financial information, evaluating business risks, and providing recommendations that support sound financing decisions while ensuring compliance with approved policies and regulatory requirements. Key Responsibilities * Conduct credit assessments and evaluate the creditworthiness of SME financing applicants. * Analyze financial statements, cash flow projections, business plans, and supporting documentation. * Assess financing risks associated with new businesses, expansion projects, and financing proposals. * Prepare comprehensive credit assessment reports and provide recommendations to support decision-making. * Apply approved credit evaluation methodologies, frameworks, and risk assessment models. * Ensure compliance with internal policies, procedures, and applicable regulatory requirements. * Maintain accurate documentation and records of all credit assessments and recommendations. * Collaborate with internal stakeholders to ensure a comprehensive and effective evaluation process. * Contribute to the continuous enhancement of credit assessment standards, methodologies, and risk management practices. * Support initiatives aimed at improving financing quality and minimizing credit-related risks. * Perform any other duties assigned by the direct manager. Qualifications * Bachelor's degree in Finance, Business Administration, Accounting, Economics, or a related field. * Professional certification such as CBCA (Certified Banking & Credit Analyst) is preferred. * Strong understanding of credit analysis, financial analysis, and risk assessment principles. * Experience in reviewing and interpreting financial statements and business performance metrics. * Knowledge of financing practices, lending principles, and credit risk management. * Strong report writing, analytical, and problem-solving skills. Experience * Minimum of 3 years of relevant experience in credit assessment, credit analysis, lending, risk management, or a related field. * Experience in SME financing or financial institutions is an advantage. Core Competencies * Credit Analysis * Financial Analysis * Risk Assessment & Management * Decision-Making * Report Writing * Stakeholder Management * Attention to Detail * Collaboration & Teamwork * Customer Focus * Innovation & Continuous Improvement Language Requirements * Arabic: Fluent * English: Advanced