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Credit Analyst
Job summary
A leading financial institution is seeking a Credit Analyst in Dubai. The role involves supporting credit approvals, conducting financial analyses, and ensuring adherence to risk management protocols. The ideal candidate will possess strong analytical and communication skills, along with a good understanding of business finance and economics. This is a full-time position with ample opportunity for professional growth.
Qualifications
- Good understanding of business finance, economics, and current affairs.
- Analytical thinking & business-oriented approach.
- Strong interpersonal and communication skills.
Responsibilities
- Support RMs and ARMs in the review and preparation of credit approval packages.
- Attend client calls/meetings in relation to the clients' banking requirements.
- Perform financial analysis and preparation of spreadsheets.
- Monitor creditworthiness of obligors/counterparties.
- Liaise with Risk management regarding credit approval packages.
- Prepare security and other documents with Legal & Sharia departments.
- Ensure consistency, accuracy, quality, and integrity of proposals/memos.
- Maintain and reconcile credit files and identify discrepancies.
- Support credit analyst in assessing creditworthiness and evaluating proposals.
- Stay updated on economic developments and regulatory changes.
Skills
Description
Role: Credit Analyst
Location: Dubai
Role Purpose :
Role holder will go through on the job training and working on credit analysis.
The job holder will be expected to support the overall maintenance of the assigned tasks within Credit Departments these may include but not limited to preparation of credit approval packages AC memos Credit Round Table CRT discussion materials credit file maintenance.
- Support RMs and ARMs in the review and preparation of credit approval packages AC memos Credit Round Table CRT discussion materials etc. and ensure the same are completed as per the banks requirements
- May attend client calls / meetings in conjunction with the RM / Division Head in relation to the clients banking requirements
- Support preparation of spreadsheets and perform financial analysis incl. basic financial modeling if applicable and qualitative analysis to support analysis of potential and existing credit applications
- Carry out initial market checking and monitor credit worthiness of obligors / counterparties including search for negative press articles rating agencies.
- May be asked to liaise with Risk in relation to the credit approval packages such as responding to queries and comments from Risk Management etc.
- Prepare necessary security and other documents in liaison with Legal & Sharia departments
- Support Frontline staff to track review dates and ensure all facilities are renewed / deferred on a timely basic
- Ensure consistency accuracy quality and integrity of all proposals / memos
- Maintain and reconcile the credit files and identify discrepancies and variance
- Ensure complete adherence to all KPIs (Turnaround time (TAT) Credit package quality Review dates etc.)
- Support the credit analyst in assessing the creditworthiness of the counterparties and evaluate Credit proposals for lending.
- Where required liase with relationship managers Business Lines Legal staff Risk division and other stakeholders to obtain information
- Support the credit analyst in ensuring that new transactions and credit renewals meet the banks risk appetite criteria credit policies and procedures and regulatory requirements.
- Keep abreast of both macro and micro economic developments and any regulatory changes that might impact the relevant portfolio under coverage
Good understanding of business finance economics and current affairs
Analytical Thinking & Business Oriented approach
Strong interpersonal and communication skills both verbal and written.
IC
Financial Statement Preparation,Credit Analysis,Cash Flow Analysis,Math,Banking,Analysis Skills,UCC Law,Underwriting,Financial Analysis,Financial Modeling,Financial Report Interpretation,Word Processing
Employment Type: Full Time
Experience: years
Vacancy: 1
* 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.