Assistant Manager, Credit Underwriting & Risk Analysis

Emirates Post Group; Dubai; On-site; AED 180,000 - 260,000; Full time

Job summary

Emirates Post Group in Dubai seeks an Assistant Manager Credit Underwriting to evaluate creditworthiness of retail and corporate clients and support credit decisions.

You will analyze loan applications, financial statements, and documentation, conduct risk assessments, and ensure adherence to credit policies and regulatory requirements.

Collaborate with sales, operations, legal, valuation and compliance teams to secure timely decisions, improve processes, and maintain portfolio quality.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• 5–8 years of experience in credit underwriting, risk assessment, or lending operations.
• Experience in banking, NBFC, or fintech preferred.
• Professional qualifications (CA, CFA, MBA – Finance) preferred.

Responsibilities

• Analyze loan applications, financial statements, and supporting documentation to assess borrower creditworthiness.
• Conduct detailed credit risk analysis including income verification, cash flow analysis, and repayment capacity.
• Evaluate credit proposals for retail, SME or corporate segments and provide recommendations.
• Ensure adherence to internal credit policies, lending guidelines and regulatory requirements.
• Identify potential risks and recommend mitigants; review credit scores and financial ratios.
• Assist in structuring loan proposals including collateral evaluation and risk grading.
• Support decision-making by preparing credit appraisal notes and reports.
• Monitor existing credit portfolio performance and highlight early warning signals.
• Collaborate with sales, operations, legal, valuation and compliance teams for due diligence.

Skills

Credit analysis

Financial statement interpretation

Risk assessment

MS Excel

Credit underwriting systems

Communication & stakeholder management

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

Professional qualifications (CA, CFA, MBA – Finance) preferred

Tools

Credit underwriting systems

Job description

Emirates Post Group in Dubai seeks an Assistant Manager Credit Underwriting to evaluate creditworthiness of retail and corporate clients and support credit decisions.

You will analyze loan applications, financial statements, and documentation, conduct risk assessments, and ensure adherence to credit policies and regulatory requirements.

Collaborate with sales, operations, legal, valuation and compliance teams to secure timely decisions, improve processes, and maintain portfolio quality.