Analyst Credit - Al Ain Part time - Emiratized Role

Analyst, Credit - Al Ain (Part time) - Emiratized Role

• Part-time
• Division: Group Credit

Join the UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark at a top company, in an exciting & dynamic industry.

KEY ACCOUNTABILITIES:

• Review, analyse and prepare credit memo with all customer details. Initiate field visit for customers who are eligible for loan after initial analysis.
• Recommend and prepare loan proposals keeping in mind the policies, procedures, and standard operating procedures.
• Adhere to and comply with departmental policies, processes, standard operating procedures, and practices to ensure smooth and methodical work.
• Exhibit consistency with the organisation’s values and ethics to demonstrate a value-driven culture within the bank.
• Contribute towards continuous improvement and sustainability of systems, processes, and methods in line with changing needs to efficiently carry out our duties.

Job Context:

• Analyse client’s financial statements – bank statements and/or audited financial statements, and investigate the client’s credit history/credit reports to meet the bank’s lending standards.
• Possess thorough in-depth knowledge of financials – includes verifying figures, cash flow data, income statements, analysing different ratios, and presenting financial analysis to the delegated authority.
• Ensure completeness and correctness of documentation to avoid fraud.
• Conduct in-depth analysis of all loan-related borrower’s financial ratios like turnover ratios, debt service coverage ratio to ensure error-free underwriting and ensure that the proposed loan amount aligns with bank policy.
• Review and analyse restructure requests from existing loan customers and recommend restructuring in line with the bank’s policy.
• Review deferral/waiver requests from existing customers and recommend accordingly, keeping in mind the credit risk involved.
• Process loan applications and service requests efficiently and within agreed timelines.
• Verify checks through various FAB application systems like: OBIEE, Vision Plus, Globus, Intellect, Customer Connect, and also from external systems like: AECB, Central bank checks (CBRB & CRS) & Firco.
• Work under pressure without compromising quality.
• Ensure that all approved loans and proposal-related documents are complete and shared in the common folder to safeguard against missing or misplaced documents.
• Perform any additional job-related tasks/projects as assigned by the Line Manager.

Qualification:

Minimum Education required: Bachelor’s degree preferably in Finance, Banking, or Commerce.