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 banking institution in the UAE is seeking a part-time Credit Analyst to review and prepare loan proposals, analyze clients' financial statements, and ensure compliance with banking standards. The ideal candidate must have a bachelor's degree in Finance or related fields and strong analytical skills. This role requires attention to detail and the ability to work under pressure.

Qualifications

• Thorough knowledge of financial statements and credit history.
• Experience in loan underwriting and risk assessment.
• Ability to make recommendations based on financial analysis.

Responsibilities

• Review and analyze credit memos and loan proposals.
• Conduct field visits for eligible customers.
• Ensure compliance with bank's policies and procedures.
• Analyze financial statements and present findings.

Skills

Financial analysis

Credit assessment

Documentation verification

Loan proposal preparation

Attention to detail

Education

Bachelor's degree in Finance/Banking/Commerce

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 organisation's 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 client's credit history/credit reports to meet bank's lending standards.
• Possess thorough, in-depth 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 borrower's 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 bank's 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 Job-Related tasks/projects as and when assigned by Line Manager.

Qualifications:

Minimum Education required: Minimum bachelor's degree, preferably in Finance/Banking/Commerce.

Remote Work: No

Employment Type: Part-time