Credit Risk Analyst – Financial Services

About the role

We are seeking a Credit Risk Analyst to join a leading financial institution in Amman. The role involves evaluating the creditworthiness of individuals, corporates and SMEs, and supporting the bank’s risk management framework.

Key responsibilities

• Analyze and assess creditworthiness of individual, corporate and SME loan applicants.
• Prepare detailed credit risk assessment reports and present recommendations to credit committees.
• Monitor existing loan portfolios for early warning signs of credit deterioration.
• Develop and maintain credit risk models, scoring systems and rating methodologies.
• Conduct financial statement, cash‑flow and industry risk analyses.
• Ensure lending decisions comply with the bank’s credit policies and Central Bank of Jordan regulations.
• Support classification and provisioning of non‑performing loans in line with IFRS 9.
• Prepare periodic risk reports for senior management, highlighting portfolio trends and concentrations.
• Collaborate with relationship managers and credit committees on structuring and pricing credit facilities.
• Recommend risk‑mitigation measures, covenants and collateral requirements.

Required profile

• Bachelor’s degree in Finance, Economics, Accounting or a related field.
• 3+ years of experience in credit risk analysis, corporate banking or related financial‑services roles.
• Strong understanding of financial‑statement analysis and credit‑risk assessment methodologies.
• Familiarity with Central Bank of Jordan regulations and IFRS 9 provisioning requirements.
• Fluency in Arabic and English (spoken and written).
• Professional certification such as CFA, FRM or CBA is a plus.

Required skills

• Excel
• Financial modeling
• Credit scoring tools