Credit Evaluator.Retail Ops - Lending Ops - UnSecured Loans.Credit Management

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Mashreq is hiring a Credit Evaluator for full-time on-site work in the United Arab Emirates. The role requires reviewing credit applications, analyzing financial statements and credit reports, conducting risk assessments, recommending limits and payment terms, and monitoring existing accounts while ensuring policy and regulatory compliance. You will prepare evaluation reports, maintain records, coordinate with Sales and Finance, and support collections when needed. Ideal candidates have 2–5 years in credit analysis or related finance, a degree in finance, accounting, or business, and strong Excel and ERP skills, with solid analytical, communication and time management abilities. To apply, tailor your resume to quantify risk decisions, highlight cross-functional collaboration, regulatory knowledge, and a proven record of timely, accurate assessments.

Key Responsibilities

* Review and assess credit applications submitted by customers.

* Analyze financial statements, bank references, trade references, and credit reports.

* Conduct credit risk assessments and recommend credit limits and payment terms.

* Monitor existing customer accounts and identify potential credit risks.

* Evaluate customer payment histories and credit trends.

* Coordinate with Sales, Finance, and other departments regarding customer credit matters.

* Prepare credit evaluation reports and recommendations for management approval.

* Maintain accurate customer credit records and documentation.

* Follow up on outstanding information required for credit assessments.

* Ensure compliance with internal credit policies and regulatory requirements.

* Assist in periodic reviews of customer credit limits and account statuses.

* Support collection activities when required by providing credit-related insights.

Qualifications and Experience

* High school / Bachelor’s degree in finance, Accounting, Business Administration, Economics, or a related field.

* Minimum of 2–5 years of experience in credit analysis, credit evaluation, finance, or a related role.

* Experience reviewing financial statements and assessing credit risk.

* Knowledge of credit management principles and financial analysis techniques.

* Proficiency in Microsoft Excel and ERP systems.

Skills and Competencies

* Strong analytical and problem-solving skills.

* Excellent attention to detail and accuracy.

* Ability to interpret financial data and credit reports.

* Effective communication and interpersonal skills.

* Strong organizational and time-management abilities.

* Ability to work independently and manage multiple priorities.

* Professional judgment and decision-making skills.

* Confidentiality and integrity in handling sensitive financial information.

Key Performance Indicators (KPIs)

* Timely processing of credit applications.

* Accuracy and quality of credit assessments.

* Reduction of bad debt exposure.

* Compliance with credit policies and procedures.

* Effectiveness of credit risk mitigation recommendations.

Employment Type

* Full-Time