Alzayani Investments is seeking a highly motivated and detail\-oriented Assistant Credit Analyst to join our growing team in Manama, Bahrain. This full\-time position offers an exciting opportunity to contribute to the company's credit risk assessment processes. The ideal candidate will be a Bahraini national with a strong analytical background and a passion for finance. This role will support senior analysts in evaluating creditworthiness, conducting financial analysis, and contributing to informed credit decisions. **Responsibilities:** * Evaluate credit risk of new applications and conduct periodic risk reviews of existing clients, ensuring alignment with risk appetite, policies, and procedures. * Review rating model inputs for consistency, accuracy, and appropriateness. * Ensure Credit Application Forms comply with group policies; provide commentary on deficiencies and indicate level of support (positive, negative, or conditional). * Ensure outstanding documentation is noted in the Request Form (RF), with mitigation for potential risks. * Provide high\-quality credit risk management information to the Group Credit Control Manager with consistency and objectivity. * Make clear and timely recommendations to the Group Credit Control Manager. * Conduct quarterly/semi\-annual/annual credit reviews of credit customers of Alzayani Investments and subsidiaries; alert management of potential risks or defaults. * Contribute to enhancement of Risk Acceptance Criteria to support development of profitable credit portfolios. * Support interpretation and application of Group Credit Policy and related standards/procedures. * Ensure spreadsheets are accurate, covenants are met, and conditionalities are delivered. * Identify high\-risk relationships or sectors that may lead to elevated credit risk or non\-repayment. * Represent and support the company with external stakeholders (auditors, rating agencies, CBB, Credit Committee, BCRB). * Support collections team across all credit risk transaction types while maintaining independence of the Credit Team. * Provide general assistance and support as required for day\-to\-day business operations. * Ensure strict adherence to Group Credit Policy and procedures. * Be willing to relocate and serve as an Auto Finance Coordinator (AFC) when required. ### **Qualifications:** * Bachelor’s degree in Finance, Accounting, Economics, or a related field. * Strong analytical and problem\-solving abilities. * Excellent written and verbal communication skills in English. * Proficiency in Microsoft Office, especially Excel. * Knowledge of financial modelling and credit analysis techniques.