Westfield Consulting is a management consultancy firm, specialized in Increasing Your Business Performance. It is our mission to help our clients make the right decisions & improve their organizational performance. As a partner to our clients, we work as integrated members of the team and strive to provide valuable deliverables that meet their goals. Our clients range from large to small companies and organizations including some of the most recognizable brands. They come to Westfield seeking expert advice and personalized service on a variety of business process related problems and always leave satisfied. Our team is comprised of a well-respected group of talented, experienced and likable consultants that can help you achieve your business goals. With over 10 years of experience in Project Management, financial services and ICT marketing, Westfield brings the expertise you need from a consultancy outfit to help with your projects.
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
Method of Application
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