Credit Analyst jobs in United Arab Emirates

Location: Abu Dhabi

Role Purpose: 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 Risk Rating.
• Analyze bank statements to assess its genuineness, continuity of business turnovers, cheque returns, average balances and to observe any chance of artificial fabrication of such statements.
• Analyze applicant's financial statements and comment on 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 ADIB's products, policies and procedures.
• Proactively and continually make and recommend system changes and enhancements, and ensure all procedures and policies are implemented and followed in compliance with the organization.
• Demonstrate full team spirit and positive attitude.
• Perform any other responsibilities entrusted by ADIB Management from time to time and any other tasks assigned by Management.

• Support business in achieving monthly budget & target 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 with branches and DSUs as internal customers.
• Provide constructive comments and feedback on proposed finance applications.
• Compliance of policies & procedures. Comply and perform key operational controls as required in ADIB's policies & 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 ADIB's Retail Banking credit products & services.
• Broad knowledge of ADIB's 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.

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