Credit Analyst

Job description / Role

Responsible for analyzing credit and financial reports to determine risk involved in loaning money or extending credit. Scrutinizes financial data such as market share, income growth, and management quality to decide if loans will be lucrative.

- Compare liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments to determine risk.
- Compile reports regarding finance and credit data.
- Analyze the financial records like earnings, savings, payments and purchase of the company or individual and recommend other useful financial activity for further plans.
- Manage files and records, stenography and transaction and other office procedure.
- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
- Review individual or commercial customer files to identify and select delinquent accounts for collection.
- Reconcile customer statements/billings.
- Minimize bad debt risk and maximize accounts receivable collections.
- Conduct collection calls and customer visits to collect Accounts Receivables.
- Market, train, counsel, advise, and communicate credit department policy and procedures to company personnel.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.

Requirements

- The minimum educational requirement for the position of credit analyst is a bachelor's degree in finance, accounting or another related field.
- This is the ability to pay great attention to detail. As a credit analyst, any piece of information or data that is missed can lead to incorrect analysis of a customer and may cause potentially costly problems for the client involved.
- Fluent verbal English
- Experience within the UAE

About the Company

Mark Williams is a Dubai recruitment company with a wealth of Search & Selection experience. Mark Williams International is a subsidiary of the Williams Group UK and in December 2009 set up the Middle East business.

Mark Williams is a fully licensed recruitment firm currently focused on fulfilling clients needs in; Emiratisation, Financial Services and Information Technology related position within the United Arab Emirates. The initial focus was looking at Emiratisation into the Financial Services sector across all seven Emirates. With an increased demand for over the subsequent years for Emiratisation we have broadened our scope to place UAE Nationals into Industry & Government with dedicated teams for Emiratisation into Financial Services and Industry. Given our focus is primarily on the local market it gives us a depth of understanding & knowledge that enables us deliver our business partners an unrivaled service in terms of; speed and most importantly, quality.

Founding the Middle East business in adverse market conditions has enabled us to capture market-share and establish ourselves as a house hold name within our specialisms. Within two years we had outgrown our initial office and moved to the prestigious Business Central Towers in Media City. Mark Williams, at the end of 2014 has completed its third upscaling of operations to Bay Square, Business Bay. This was a strategic move to enable continued business growth by servicing clients and candidates with improved infrastructure, access and parking. Mark Williams provides candidates and clients private meeting rooms, testing facilities and board room access to facilitate screening and interviews. With our current capacity and growth ambitions Mark Williams is now one of the fastest growing Recruitment agencies in the region.