Junior Credit Analyst

Role OverviewAs a Junior Credit Analyst, you will support the credit and underwriting team in assessing SME financing applications and maintaining high-quality credit documentation. You will work closely with senior analysts and learn how to analyze financial statements, evaluate credit risk, and support data-driven credit decisions. This is an excellent opportunity to build a strong foundation in credit risk, SME financing, and fintech underwriting processes.
Key Responsibilities
Credit Assessment Support: Assist in reviewing SME financing applications and supporting credit analysis. Help gather and organize financial documents such as financial statements, bank statements, and other supporting data. Prepare and maintain accurate credit files under the supervision of senior analysts. Support the preparation of credit memos and documentation.Portfolio & Risk Monitoring: Assist in monitoring customer accounts and identifying potential credit risk indicators. Support senior analysts in reviewing portfolio performance and reporting.Policy & Process Support: Help maintain organized credit documentation and internal records. Assist with improving credit workflows and documentation standards.Collaboration: Work with the credit, sales, and operations teams to ensure timely processing of credit cases. Support internal projects related to process improvements and underwriting automation.
Who We’re Looking For
Education: Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
Skills:Basic understanding of financial statements and financial analysis.Strong analytical and problem-solving skills.Proficiency in Excel (knowledge of SQL or BI tools is a plus).Strong attention to detail and ability to organize information clearly.Excellent English communication skills.
Mindset:Eager to learn and develop in credit risk and financial analysis.Proactive and comfortable working in a fast-paced startup environment.Curious, detail-oriented, and motivated to build a career in fintech.

Why This Role Is a Great Opportunity

Joining Erad as a Junior Credit Analyst presents a unique opportunity to kickstart your career in the financial sector, particularly within the burgeoning field of fintech in Amman, Jordan. As part of a dynamic team, you will gain hands-on experience in credit analysis and underwriting, essential skills in today's fast-evolving financial landscape. This role is perfect for individuals looking to build a robust foundation in credit risk assessment and SME financing, which are crucial areas in financial services.

The growth potential in this position is significant. As Erad continues to expand its influence within the fintech industry, you will have the chance to work with seasoned professionals and learn the intricacies of credit decision-making processes. This exposure will not only enhance your analytical skills but also broaden your understanding of the financial technology sector, positioning you for future advancement within the company or the industry at large.

Key Skills You Need to Succeed

• R Programming: Proficiency in R is vital for conducting statistical analysis and managing data sets, enabling you to derive insights from complex financial data.
• SQL Knowledge: Understanding SQL will help you effectively query databases, crucial for retrieving and analyzing data necessary for informed credit assessments.
• Excel Expertise: Advanced Excel skills are essential for financial modeling and analysis, allowing you to manage and interpret financial data accurately.
• Analytical Thinking: The ability to think critically and analytically is crucial for evaluating financial statements and assessing credit risk.
• Communication Skills: Strong written and verbal communication skills will enable you to present your findings clearly to senior analysts and stakeholders.

Tips to Get Hired for This Role

Securing a position as a Junior Credit Analyst at Erad requires a strategic approach. Start by tailoring your resume to highlight your proficiency in R, SQL, and Excel, as these are essential skills for the role. Include any relevant coursework or projects that demonstrate your ability to analyze financial data.

During the interview process, be prepared to discuss specific examples of how you have successfully utilized your analytical skills in past experiences. Demonstrating your understanding of SME financing and the fintech industry will also set you apart from other candidates.

Moreover, showcasing a proactive attitude and eagerness to learn will resonate well with the hiring team. Express your enthusiasm for joining Erad and contributing to their mission of supporting SME growth through innovative financial solutions. By doing so, you will convey your commitment to both the role and the company's objectives.