Position: Credit Analyst Location: Bahrain Hours: Full Time Years of Experience: At least 5 years Education: Degree in Accounting or any related Finance courses Must be: CA/Member of ICAI, ACCA or CPA Travel: Yes Relocation: Yes Work Timings: 4:00pm to 1:00am / Monday to Friday Apply directly at: avanacompanies.bamboohr.com/jobs Winning Aspiration Preserve wealth and generate income for our investors by providing loans with speed and certainty of execution to help entrepreneurs thrive. Job Summary We believe our families are the most important people in our lives. We believe that our work should speak for itself, and we believe that everyone should be given a chance to succeed and grow. We also believe there is no substitute for hard work and that when we falter, we get up and do it again. We come to work with one singular goal and that is to create jobs and provide clean energy in America. We believe in talking less and executing as per our client\xe2\x80\x99s timeline. Do you see yourself thriving in an entrepreneurial culture and spending time with disciplined business warriors? If so, then we invite you to read on. We are an AI driven small business lending and investment platform company that has an immediate full-time opportunity for a detail oriented professional to actively manage the bank accounts and transactions for our international, multi-entity organization. Come join our mission and make your mark with our outstanding people. About AVANA Companies AVANA Companies is an AI Investment and Lending platform focused on small businesses in America along with regulated CUSO, Asset Management Firm and a FDIC Bank. Together with our growing mix of accredited investors, family offices, and institutional investors, we provide financing for permanent real estate mortgage loans under the United States SBA program, construction loans, traditional secured loans, small balance unsecured loans and bridge loans. At AVANA Companies, we specialize in lending to specific niche industries that we\xe2\x80\x99re highly knowledgeable in, such as hospitality, elderly care facilities, and healthcare facilities, because it enables us to provide the best possible service for our borrowers and minimize risk for our investors. Our company has launched two platforms recently - a small business lending platform (LendThrive\xe2\x84\xa2) that will drive online originations for small balance lending on working capital, equipment, inventory and accounts receivable. Our second platform (EqualSeat\xe2\x84\xa2) is to provide access to retail investors to co-invest with institutional investors in SME loans. Duties and Responsibilities
Analyze and verify financial information provided by existing borrowers and loan applicants
Evaluate the level of risk for individual transactions and provide credit recommendations
Underwriting, processing and closing conventional, SBA 504, SBA 7(a) and USDA B&I loans for US based customers
Develop appropriate analyses that includes assumptions
Regular credit memo preparation for current and new loan applicants
Assisting the Chief Lending Officer in marketing and presentation of credit memos to potential investors and loan participants
Query national resources to manage risk on all asset types within existing portfolio
Year-end reporting and maintaining credit files as per FDIC and SBA guidelines
Monitoring and administering construction loans, including monitoring the budget, review of third-party reports and funding draws timely
Monitoring assigned loan portfolio performance and properly assigning risk ratings
Regular credit updates for assigned loans
Possibility to travel with short notice to physically inspect collateral properties
Perform any additional requirement, tasks and duties outside of his/her scope of work as deemed necessary by the Chief Credit Officer or Management.
Ensure the standards required by law and by Management are maintained at all times in all areas of operations
Changes in business may require alterations to this .
Required Education and Qualification
Bachelor\xe2\x80\x99s degree in Finance, Accounting, Economics, Real Estate Management or any related field with outstanding academic performance
Minimum of 5 years\xe2\x80\x99 experience in analyzing commercial real estate, preferably with a background in Hospitality, Senior Care/Assisted Living Facility and Renewable Energy
Skilled in using Excel and Word
Can work with minimal supervision
Ability to work in a fast-paced and multi-national environment
Thinks outside the box, problem solver and quick thinker
Ability to multi-task
Strong attention to detail and ability to notice discrepancies in data
Exemplary communication skills in both written and verbal
Desired Characteristics
Positive and professional attitude
Self-motivated
Team oriented, demonstrates a willingness to assist other members of the firm
Accuracy and strong attention to details
Commitments As a member of the AVANA team, you will be expected to demonstrate effective customer service in alignment with both the culture and goals of AVANA Companies, along with demonstrating a high level of client relationship management that aligns with AVANA\xe2\x80\x99s core values of Putting People First, Doing the Right Thing, Taking the Lead, Making an Impact and understanding Excellence is a Journey.
Beware of fraud agents! do not pay money to get a job
MNCJobsGulf.com will not be responsible for any payment made to a third-party. All Terms of Use are applicable.