Specialist Private Credit Analysis

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Date: May 25, 2025

Location: Al Asimah, Kuwait

Company: AL AHLI BANK OF KUWAIT

Reports To

Head of Wealth Management & Private Credit Administration

Job Purpose

Manage & perform the process of in-depth assessment of the financial position and performance of the customers based on their financials to support credit appraisal / review including Equity Valuations/ Investment Lending.

Generic Accountabilities

2. Corporate Governance and Compliance Work fully within risk policies and procedures and compliance regulations and ensure all divisional activities comply with corporate governance & regulatory/legal frameworks

Specific Accountabilities

Generic Responsibilities:
•   Corporate Governance and Compliance: Work fully within risk policies and procedures and compliance regulations and ensure all divisional activities comply with corporate governance & regulatory/legal frameworks
Core Responsibilities:
•   Financial Analysis: Interpreting and analyzing the financials supported by the spread sheet and other information gathered to produce effective reports to support informed decision making
•   Credit applications: Prepare the credit application process, by making available financial analysis reports. Conforming to CBK standards, by making available financial analysis reports
•   Credit committee: Support the credit review process by providing credit committees with adequate information on the reported financials of the customers.
•   Information gathering & Processing: Manage information gathering and effective processing within the unit to support quality analysis Engage with business units to gather clarifications/ additional details on any vague areas identified in the financials
•   Credit expertise: Provide expertise in financial review and ensure independent opinion on customers based on their financials
•   Information Gathering & Processing: Drive information gathering and effective processing within the unit to support quality analysis. Foster effective liaison with business units to gather clarifications/ additional details on any vague areas identified in the financials
•   Credit Analysis: Support to unit to ensure that Business unit is provided with expertise on analysis of financials and submission of analysis reports in line with wider PBD quality standards
•   Monitoring: an ongoing process of monitoring & reviewing the credit facilities granted and ensuring that no thresholds have been breached.

Job Success Factors

Education

Bachelor's Degree or Equivalent Certification/Experience

Experience

•   Minimum 5 years of banking sector experience
•   Experience in financial analysis & associated tools, techniques and methodologies
•   CFA or minimum CFA Level 1&2. FRM or CCM or ACCM is recommended
•   Extensive experience of financial analysis
•   Experience in handling financials.
•   Fruitful interpretation of the financials
•   Effective financial analysis and assessments to support informed lending decisions
•   High quality submissions to credit committees
•   High quality advice and expertise across PBD
•   Consistent, high-quality service and support
•   Remain Updated about industry news, key trends, and macroeconomic news
•   Maintain & update existing credit files & continuously follow-up on approved facilities to ensure alignment with credit risk thresholds

Skills

•   Understanding of corporate banking products and Credit
•   Expertise in Accounting Policies & standards and financial analysis tools & techniques
•   Effective writing & Communicating skills