• Duties and Responsibilities:Review the application forms in line with the bank policies and procedures pertaining to the Credit Initiation Process; draft comments / recommendations regarding the provision or decline of credit as well as related terms and conditions.
• Review the financial position of the applicant on the basis of documents supporting the application form.
• Study the (bank) account performance of the applicant and evaluate the credit proposal for the requested credit amount and other terms and conditions.
• Review bank statements of the applicant and study the applicant’s existing / recent credit history, if any, to identify credit repayment influencing behaviours such as postponement of installments / overdue installments / recovery of overdraft against salary, among others.
• Ensure that approved credit requests are in accordance with the bank's policies and procedures.
• Perform any other duties or responsibilities that are consistent with the employee Role and assigned by the management.

Accountability/Decision Making:Incumbent requires analytical skills to assess credit proposals. He/she is responsible for quality assessment of credit applications and recommending credit decisions.

• Education:Bachelor’s degree in any discipline

• Experience:1 to 3 years of experience in banking industry within corporate or retail credit.

• Other Skills Required for the Job:Strong written and verbal communication skills in both English and Arabic.
• Proficiency in Microsoft Office applications, particularly Word, Excel, and PowerPoint.
• Ability to prepare and analyze MIS reports and other management reports.
• General understanding of retail credit policies and practices within the banking sector, including applicable provisions, limits, terms, and conditions.

Requirements added by the job poster

• • Bachelor's Degree

• Duties and Responsibilities:Review the application forms in line with the bank policies and procedures pertaining to the Credit Initiation Process; draft comments / recommendations regarding the provision or decline of credit as well as related terms and conditions.
• Review the financial position of the applicant on the basis of documents supporting the application form.
• Study the (bank) account performance of the applicant and evaluate the credit proposal for the requested credit amount and other terms and conditions.
• Review bank statements of the applicant and study the applicant’s existing / recent credit history, if any, to identify credit repayment influencing behaviours such as postponement of installments / overdue installments / recovery of overdraft against salary, among others.
• Ensure that approved credit requests are in accordance with the bank's policies and procedures.
• Perform any other duties or responsibilities that are consistent with the employee Role and assigned by the management.

Accountability/Decision Making:Incumbent requires analytical skills to assess credit proposals. He/she is responsible for quality assessment of credit applications and recommending credit decisions.

• Education:Bachelor’s degree in any discipline

• Experience:1 to 3 years of experience in banking industry within corporate or retail credit.

• Other Skills Required for the Job:Strong written and verbal communication skills in both English and Arabic.
• Proficiency in Microsoft Office applications, particularly Word, Excel, and PowerPoint.
• Ability to prepare and analyze MIS reports and other management reports.
• General understanding of retail credit policies and practices within the banking sector, including applicable provisions, limits, terms, and conditions.

Requirements added by the job poster

• Bachelor's Degree