Riyadh Credit Job Listings

Al Rajhi Bank

Officer MSB Credit Analysis

Riyadh

Job Description: Support the bank’s Micro and Small Business (MSB) lending operations by conducting thorough credit analysis of applications, ensuring sound credit decisions are made in line with the bank’s policies and risk appetite. The role involves detailed assessment of financials, business performance, compliance to credit criteria, and risk factors associated with MSB clients. KEY ACCOUNTABILITIES: Credit Evaluation & Risk Analysis Analyze credit metrics of MSB applicants. Conduct qualitative and quantitative assessments of clients' creditworthiness. Prepare and present credit assessment reports with recommendations to Senior Credit Specialist. Ensure all applications are assessed in line with internal credit policy, regulatory guidelines, and risk appetite. Policy & Compliance: Adhere to regulatory and internal credit policies, including Shariah requirements where applicable. Contribute to the continuous improvement of credit assessment tools and processes. Participate in internal audits, portfolio reviews, and risk reporting activities. Collaboration & Stakeholder Engagement Work closely with Sales, Product, and Operations teams to ensure alignment and data completeness. Liaise with external parties for documentation verification if needed. Provide feedback and recommendations for policy refinement based on field insights. FRAMEWORKS, BOUNDARIES, & DECISION MAKING AUTHORITY: Operates under the guidance of the Senior Specialist MSB Credit. Exercises delegated authority within agreed business objectives. Minimum Qualifications: University degree in a Business Discipline. Minimum Experience: Minimum 1-3 years of experience in Banking, or a Financial/Investment institution. Job-Specific Skills: Strong financial and credit analysis skills. Good knowledge of the English language Computer literacy Excel skills Analytical and conceptual thinking

Negotiable Salary