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Credit Analyst
Job summary
A financial institution in Sharjah is seeking a Credit Analyst for Home Finance. The candidate will support branches by processing finance applications, analyzing bank statements, and ensuring compliance with policies. Required qualifications include over 3 years of banking experience in finance and credit, strong analytical skills, and fluency in both Arabic and English. This role emphasizes teamwork and adherence to regulatory standards.
Qualifications
- Minimum 3 years of practical banking experience, preferably in finance & credit.
- Good credit and analytical skills required.
- Detailed knowledge of Retail Banking credit products & services.
Responsibilities
- Review and process finance applications in a timely fashion.
- Analyze bank statements and applicants' financial status.
- Support branches in achieving monthly budget & targets.
Skills
Role : Credit Analyst - Home Finance
Location : Sharjah
Provide full support to branches and DSUs by reviewing and processing proposed finance applications in a timely fashion and within approved policies.
- Examining credit Application for completeness and timeliness of information noting exceptions for correction.
- Preparation of error free credit docs
- Vigilance in applying de-dupes
- Observing agreed TAT.
- Compliance policies and satisfactory RiskRating.
- Analyze Bank Statements so as assess its genuineness continuity business turnovers cheque returns average balances and to observe if there is any chance of artificial fabrication of such statements.
- Analyze applicants financial statements and comment on its findings (where required).
- Check customers status through de-dupes/CBRB.
- Meeting the minimum daily targets assigned by management while maintaining the lowest level of errors as measured by the score card.
- Escalate cases requiring higher DP with full analysis and recommendations to facilitate their decision making
- Demonstrate full and up to date knowledge of ADIBs products policies and procedures.
- Proactively and continually make and recommend system changes and enhancements also ensure that all procedures and policies are implemented and being followed in compliance with organization.
- Demonstrate full team spirit and positive attitude.
- Perform any other responsibilities entrusted by ADIB Management from time to time and any other task assigned by Management
- Support business in achieving monthly budget & targets while maintaining highest quality portfolio
- Additional support to business in capturing customers within the acceptable parameters without violating CB regulations.
- Contribute positively in the daily underwriting activities
- Improve communication branches and DSUs as being internal customers
- Provide constructive comments and feedback on proposed finance applications
- Compliance of policies & procedures Comply and perform Key operational controls as required in ADIBs polices & procedures in day to day operations
- Good credit and analytical skills and knowledge
- Minimum 3 years of practical banking experience preferably in the finance & credit field
- Detailed knowledge of ADIBs Retail Banking credit products & services
- Broad knowledge of ADIBs Retail Credit & Operational Policies & Procedures
- Good Knowledge of UAE banking practices regulations & risks
- Good communication skills
- Good Computer Skills
- Detailing of the documents
- Strong command of Arabic & English language
Required Experience:
IC
* The salary benchmark is based on the target salaries of market leaders in their relevant sectors. It is intended to serve as a guide to help Premium Members assess open positions and to help in salary negotiations. The salary benchmark is not provided directly by the company, which could be significantly higher or lower.