Our client is a fast-growing financial services platform providing innovative working capital solutions to small and medium-sized enterprises across the UAE. Combining financial expertise with technology-driven processes, the business is focused on improving access to financing through efficient, transparent and data-led lending solutions.
- Assess SME credit applications, evaluating financial performance, cash flows, receivables and existing debt obligations.
- Conduct detailed financial statement analysis to determine repayment capacity and assess creditworthiness.
- Prepare comprehensive credit proposals, risk assessments and lending recommendations.
- Evaluate financing requirements and structure appropriate solutions to support clients' working capital needs.
- Assess invoice financing, receivables financing and other SME lending opportunities.
- Engage directly with clients to understand their business models, financial position and financing requirements.
- Monitor existing credit exposures, identify early warning indicators and recommend appropriate risk mitigation measures.
- Support portfolio reviews, facility renewals and amendments, as well as new client assessments.
- Contribute to the development and enhancement of credit policies, underwriting standards and risk frameworks.
- Identify opportunities to improve credit processes through technology, automation and data-led assessment.
- Support the continued development and expansion of the credit function.
- Bachelor's degree in finance, Accounting, Economics, Business or a related field.
- 5-8 years of experience in credit analysis, underwriting or lending.
- Experience within SME Banking, Business Banking, Commercial Banking or SME Lending.
- Strong understanding of financial statement analysis, cash flow assessment and repayment capacity.
- Proven experience preparing credit proposals and making lending recommendations.
- Exposure to working capital facilities, invoice financing or receivables financing is advantageous.
- Strong commercial judgement and decision-making capabilities.
- Proactive and comfortable operating in a fast-paced, evolving environment.
- Interest in fintech, digital transformation and process improvement.
- UAE market experience is preferred.
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