Analyst Credit - Al Ain Part time - Emiratized Role

First Abu Dhabi Bank; Abu Dhabi Emirate; On-site; AED 120,000 - 200,000; Part time

Job summary

A leading bank in the UAE is seeking a detail-oriented financial analyst. This role involves reviewing and analyzing customer credit information, preparing loan proposals, and ensuring compliance with policies. Candidates should hold a Bachelor's degree in Finance or a related field and possess strong financial analysis skills. The position is part-time and requires effective communication and problem-solving abilities under pressure.

Qualifications

• Minimum bachelor's degree preferably in Finance/Banking/Commerce.
• In-depth knowledge of financial documentation and cash flow data.
• Ability to work under pressure without compromising quality.

Responsibilities

• Prepare credit memos with customer details and initiate field visits.
• Review all loan applications and perform thorough financial analyses.
• Ensure completeness and correctness of loan documentation.

Skills

Financial Analysis

Credit Analysis

Problem-Solving

Communication

Education

Bachelor's degree in Finance/Banking/Commerce

Tools

OBIEE

Vision Plus

Globus

Intellect Customer Connect

Job description

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 in mind.
• Adhere to and comply with departmental policies processes standard operating procedures and practices so that work is carried out in a smooth and methodical manner.
• Exhibit consistency with organisations values and ethics always 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 and requirements to efficiently carry out our duties.

Job Context

• Analyse clients financial statements bank statements and/or Audited Financial Statements investigate the clients credit history/credit reports to meet banks lending standards.
• Possess thorough indepth knowledge on financials includes verifying figures cash flow data income statement. Analysing different ratios and presenting financial analysis to the delegated authority.
• Ensure completeness and correctness of documentation to avoid fraud.
• In depth analysis of all loan related to borrowers financial ratios like turnover ratios debt service coverage ratio to ensure error free underwriting and ensuring that loan amount proposed is in line with policy of the bank.
• Review and analyse restructure requests given by existing loan customers and recommend restructure in line with banks policy.
• Review deferral/waiver requests given by existing customers and recommend the same keeping in mind the credit risk involved.
• Process of 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 & also from external systems like: AECB Central bank checks (CBRB & CRS) & Firco.
• To work under pressure without compromise on quality.
• Ensure that all the approved loans and proposal related documents are complete and shared in the common folder to safeguard any missing or misplaced documents.
• To perform any additional JobRelated tasks/projects as and when assigned by Line Manager.

Qualifications :

Minimum Education required: Minimum bachelors degree preferably in Finance/Banking/ Commerce.

Remote Work : No

Employment Type : Parttime