Bank of Jordan, a renowned financial institution in Jordan, is seeking a detail-oriented and analytical Commercial Credit Analyst to join our team. As a Commercial Credit Analyst, you will play a vital role in assessing the creditworthiness and risk of our commercial loan applicants. Your primary responsibility will be to analyze financial statements, conduct credit investigations, and evaluate the repayment capacity of borrowers.
At Bank of Jordan, we are committed to delivering exceptional customer service and providing innovative banking solutions. As a Commercial Credit Analyst, your expertise will contribute to the overall objective of maintaining a high-quality loan portfolio while ensuring compliance with internal policies and regulatory requirements.
Responsibilities
Analyze financial statements, tax returns, and other related documentation to assess the creditworthiness of commercial loan applicants
Conduct credit investigations, including verifying financial information and assessing collateral value
Evaluate the repayment capacity of borrowers based on cash flow projections, industry analysis, and risk assessment
Prepare detailed credit reports, including findings and recommendations for credit decisions
Ensure compliance with internal credit policies and regulatory requirements
Collaborate with loan officers, relationship managers, and other internal stakeholders to gather relevant information and make informed credit decisions
Monitor and review existing commercial loan portfolios, identifying potential risks and proposing risk mitigation strategies
Stay updated on industry developments, market trends, and changes in regulatory requirements related to commercial lending
Participate in credit committee meetings and provide expert advice and recommendations on credit applications
Requirements
Bachelor's degree in finance, accounting, or a related field
Minimum 1-3 years of experience in commercial credit analysis or underwriting
Strong knowledge of financial statement analysis, cash flow analysis, and credit risk assessment
Experience in conducting credit investigations and assessing collateral value
Familiarity with commercial lending practices and regulations
Proficient in Microsoft Office applications, particularly Excel
Strong analytical and problem-solving skills with attention to detail
Excellent written and verbal communication skills
Ability to work independently and collaboratively in a fast-paced environment
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