ތަފްސީލް

މުސާރައާއި އިނާޔަތްތައް

ރުފިޔާ 20,000 - ރުފިޔާ 21,150

ވަޒީފާގެ ތަފްސީލް

Post:                                 Senior Credit Analyst

No of Vacancies:           01                    

Post Type:                      Permanent

Department:                 Credit Department

Reporting to:                Head of Credit 

 

Key tasks, responsibilities and deliverables: 

• Identify potential SME businesses and assess the creditworthiness of a small or medium sized business with emphasis on capacity to borrow, repayment capability, financial ratio analysis, profile of the business and available securities.
• Evaluating the commercial feasibility of SME loan proposals by analyzing the business model, identifying strengths, weaknesses, risks, understanding the revenue models, management capability and the corporate structure of the businesses.
• Conducting visits to customers to have better understanding of business cycle, judge feasibility of proposed transaction, verify the business viability before finalizing the proposal.
• Placing for a credit decision to the appropriate approval authority after through credit analysis of the loan application.
• Perform periodic review and evaluation of existing customers based on qualitative and quantitative framework and recommend appropriate actions to the management.
• Follow-up with delinquent customers.
• Co-ordinate with Recovery and legal staff in recovery of high risk and problematic loans.
• Monitoring of asset portfolio to generate early warning signals, potential areas to focus on and recommend proactive measures to the management.
• Ensuring that Company’s policies and procedures are followed in credit underwriting and approval, verification and any exceptions are regularly reported to the management.
• Involve in establishing new procedures and assessing gaps in policies and procedures and recommending improvements from time to time.
• Monitoring financial regulations set by MMA that are relevant to the Company and suggest appropriate actions to the Management.
• Participation in internal meetings for review and determine areas for process improvements.
• Conducting research on a continuous basis on major industries and using external data to develop benchmarks for comparing performance and capacity of SME businesses.
• Generate and update various portfolio related MIS for the Management.
• Advise to the Management in formulating criteria for new products and involve in the development of new products.
• Liaison with other departments for achievement of common goals of the Company.
• Provide support on ad hoc requests as required by the Management. 

Requirements and Qualifications: 

• MQA level 7 or 8 qualification of Business/Economics/Finance/Banking.
  OR,
  • MQA level 5 or 6 qualification of Business/ Economics /Finance/Banking with Minimum 05 years’ experience in relevant field.

Other Competencies required: 

• Strong analytical, problem-solving and decision-making skills with the ability to adapt to change.   

• In-depth knowledge of local business environment and supply chain.
• Excellent interpersonal and communication skills.  
• Excellent computer skills including processing of word documents, spreadsheets and databases. 
• Familiarity with trade, economic development, and development of private sector in the Maldives. 
• Experience in the banking or financial services industry would be an added advantage.

Remuneration package:

• Gross pay between MVR 20,000 – MVR 21,150 depending on the Qualification and Experience.

Other Benefits:

• Health Insurance as per company policy.
• Training and development opportunities.

Working Hours:  

• The selected applicant will be required to work from 0800 to 1600 on weekdays.  

Documents required with the job application:  

• Complete and up-to-date Curriculum Vitae (CV). 
• Copy of National Identity Card. 
• Copies of academic certificates with transcripts.
• All international certificates must be accredited from MQA
• Reference letters from current/ previous employers certifying type of employment, job roles and service period. 
• Recommendation letters from previous supervisors or employers (optional). 

How to Apply:  

• Required documents should be submitted using the link: https://smedigital.aidaform.com/job-application-form-senior-credit-analyst2 before 09th February 2026, 14:00 hrs.

Important notes for applicants:  

• Incomplete applications will be rejected without further notice.
• Applications should be submitted only via the given link, applications received via email will be rejected.
• Only short-listed candidates will be notified for interview.

For inquiries, please contact us on weekdays between 08:30am to 14:00pm via phone 1613 or email to careers@smedigital.mv

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