Manager – Treasury Sales

About the role

The Credit Analyst will conduct detailed financial and credit analysis of corporate and institutional clients in Bahrain, supporting the assessment, approval and ongoing monitoring of credit exposures. The role ensures that credit decisions align with the bank’s risk appetite, policies and regulatory requirements.

Key responsibilities

• Perform in‑depth analysis of financial statements, management accounts, cash‑flows and key ratios.
• Assess repayment capacity, liquidity, leverage, profitability and overall financial strength of clients.
• Evaluate proposed facilities, structures, security and sources of repayment, recommending risk mitigants.
• Prepare high‑quality credit applications, reviews and reports for approval committees.
• Monitor existing credit exposures, limits, utilization and account conduct, identifying early‑warning indicators.
• Conduct industry, economic and market analysis relevant to credit decisions.
• Support assessment of expected credit losses and other credit‑risk requirements.
• Maintain accurate credit files, documentation and coordinate with Relationship Management, Risk, Legal, Compliance, Treasury and other functions.
• Ensure compliance with Bahrain Central Bank regulations and internal policies.

Required profile

• Bachelor’s degree in Finance, Economics, Business Administration, Accounting, Statistics or a related field.
• Minimum 5 years of banking experience, including at least 3 years in credit analysis or corporate banking.
• Strong understanding of corporate credit, risk concepts, Basel requirements and expected credit losses.
• Experience in the Bahraini banking sector is an advantage.
• Excellent report‑writing, presentation and communication skills.
• Fluent English.

Required skills

• Computer and banking‑system proficiency.