Credit Analyst

ADIB Group; Abu Dhabi; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading financial institution in Abu Dhabi seeks a Credit Analyst for Home Finance who will support branches by reviewing finance applications and ensuring compliance with policies. Responsibilities include analyzing credit applications, maintaining accuracy, and supporting business goals. The ideal candidate must have at least 3 years of banking experience, strong analytical skills, and be proficient in Arabic and English.

Qualifications

• 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.

Responsibilities

• Provide full support to branches and DSUs by reviewing and processing proposed finance applications.
• Examine credit applications for completeness and timeliness.
• Prepare error-free credit documents.
• Analyze bank statements for genuineness and continuity of business turnovers.
• Meet minimum daily targets while maintaining the lowest level of errors.

Skills

Good credit and analytical skills

Strong command of Arabic & English language

Good communication skills

Good computer skills

Job description

Role: Credit Analyst - Home Finance

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.

Key Accountabilities of the role

• 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.

Results Required

• 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.

Specialist Skills / Technical Knowledge Required for this role

• 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.

Required Experience

IC