Credit Analyst
2 months ago
**Key Responsibilities**
**Credit Evaluation and Analysis**
- Review financial documents such as credit reports, income statements, and tax returns for creditworthiness.
- Ensure compliance with internal credit policies and regulatory requirements across all verticals.
**Customer Follow-Up**
- Maintain regular communication with customers to follow up on outstanding payments, resolving payment delays and disputes.
- Collaborate with business unit teams to address customer financing inquiries and concerns promptly.
- Establish strong relationships with customers to support credit resolution and retention efforts.
**MIS and Reporting**
- Monthly Customer Data upload to Etihad Credit Bureau
- Generate detailed reports on credit risk, collection performance, and key financial metrics for the group head of credit.
- Monitor trends in credit performance and provide actionable insights for decision-making.
**Legal Case Management**
- Coordinate with the legal team on overdue accounts requiring legal intervention.
- Prepare and submit documentation for legal proceedings related to delinquent accounts or disputes.
- Track and report on the status of legal cases to ensure timely resolution.
**Collaboration and Compliance**
- Work closely with business unit leaders in F&B, Travel, Construction, Automotive, and Real Estate to streamline the credit and collection process.
- Stay updated on industry-specific lending regulations and market trends to enhance credit decision-making.
- Ensure all credit-related activities align with group-wide compliance and risk management standards.
**Education and Experience**
- Bachelor’s degree in finance, Accounting, Business Administration, or a related field.
- Minimum 3-5 years of experience in credit analysis, preferably in a multi-industry or group-level setting.
**Technical Skills**
- Strong knowledge of financial analysis, credit risk assessment, and MIS tools.
**Soft Skills**
- Excellent analytical, communication, and negotiation skills.
- High level of integrity and ability to handle sensitive financial data confidentially.
- Strong organizational skills to manage multiple verticals effectively.
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