Credit Analyst at Westfield Consulting

Job Summary

• The Credit Analyst is responsible for evaluating the creditworthiness of financing applicants by conducting detailed financial and non-financial assessments.
• The role supports sound financing decisions in compliance with Shariah principles, ensuring the quality and sustainability of the institution’s financing portfolio.

Key Responsibilities

• Conduct in-depth credit analysis for individual, SME, and corporate financing applications.
• Prepare detailed credit reports and financing proposals for approval by the Credit Committee.
• Review and analyze applicants’ financial statements, cash flows, business models, and industry conditions.
• Recommend appropriate non-interest (Shariah-compliant) financing structures based on risk assessment.
• Collaborate with Relationship Managers to structure deals in line with clients’ needs and the institution’s risk appetite.
• Monitor existing financing relationships and portfolio performance, identifying early warning signs of default or deterioration.
• Ensure full compliance with internal credit policies, regulatory requirements, and Shariah guidelines.
• Participate in credit committee meetings and provide expert insights and recommendations.
• Maintain up-to-date credit files, records, and documentation for audit and regulatory purposes.
• Contribute to periodic credit risk reviews, stress testing, and portfolio reporting.

Qualifications & Experience

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• Minimum of 3–5 years of experience in credit analysis or credit risk, preferably in a non-interest or Islamic finance environment.
• Strong understanding of financial statements, credit metrics, and risk management practices.
• Working knowledge of Islamic financing instruments such as Murabaha, Ijarah, Mudarabah, and Istisna.
• Proficiency in financial modeling and credit scoring systems.
• Strong analytical, critical thinking, and problem-solving skills.
• Excellent communication and report-writing abilities.
• High level of integrity, attention to detail, and confidentiality.

Preferred Certifications (Optional but Beneficial):

• Certified Islamic Finance Professional (CIFP)
• Chartered Institute of Bankers (CIBN) – Islamic Banking Certification
• Other relevant credit or risk certifications

Application Closing Date
8th August, 2025.