Company: Manhattan Management Consultancy
Location : Dubai, UAE
Employment Type: Full-Time
Experience: 1–2 Years Preferred
Salary: Negotiable, based on experience and qualifications
About the Role
Manhattan Management Consultancy is looking for a detail-oriented and analytical Junior Credit Analyst to support our corporate banking and business financing activities. The ideal candidate will have a strong understanding of financial analysis, credit assessment, and financial projections, with the ability to evaluate the financial health and creditworthiness of corporate clients and SMEs.
Key Responsibilities
- Analyse company financial statements, including balance sheets, income statements, and cash flow statements.
- Assess the creditworthiness of corporate clients and SMEs applying for business financing.
- Review bank statements, financial reports, trade licences, and other supporting documents.
- Evaluate revenue, profitability, cash flow, existing liabilities, and repayment capacity.
- Calculate and interpret financial ratios, including Debt Service Coverage Ratio (DSCR), debt-to-equity, liquidity, and profitability ratios.
- Prepare financial projections and forecasts to assess business performance and financing requirements.
- Prepare projected cash flow statements to evaluate future liquidity, cash flow adequacy, and repayment capacity.
- Prepare credit assessment reports, financial summaries, and loan documentation.
- Identify potential credit risks, financial weaknesses, and repayment concerns.
- Coordinate with clients, relationship managers, and banking partners to obtain the necessary financial information and documentation.
- Follow up on financing applications and pending documents to support timely processing.
- Maintain accurate financial records and ensure the confidentiality of client financial information.
Requirements
- Bachelor's degree in Commerce, Finance, Accounting, Banking, Economics, or a related field.
- 1–2 years of experience in credit analysis, corporate banking, SME lending, or financial analysis is preferred.
- Good understanding of financial statements, credit assessment, and corporate financing.
- Familiarity with preparing financial projections and projected cash flow statements.
- Proficiency in Microsoft Excel and financial analysis.
- Strong analytical, numerical, organisational, and communication skills.
- High attention to detail and the ability to handle confidential financial documents.
Preferred Qualifications
- Commerce graduate preferred.
- MBA, M.Com, Chartered Accountant (CA), or CA Intermediate qualification will be an added advantage.
- Experience in UAE corporate banking, SME financing, business loans, or working capital facilities.
- Knowledge of UAE company documentation and corporate banking procedures.
- Experience reviewing credit applications and analysing business bank statements.
Compensation
Salary is negotiable and will depend on the candidate's experience, qualifications, and suitability for the role.
Join our team and contribute to financial analysis, credit assessment, and business financing solutions for corporate clients and SMEs.
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