Credit Analyst

ADIB - Abu Dhabi Islamic Bank; Abu Dhabi; On-site; AED 180,000 - 280,000; Full time

Job summary

ADIB - Abu Dhabi Islamic Bank seeks a Credit Analyst in Abu Dhabi to prepare customer credit proposals, analyze financials, and manage risk ratings. Responsibilities include renewals, security compliance, and liaising with RMs to ensure timely credit documentation and approvals.

The role requires strong analytical skills, English and Arabic fluency, and solid knowledge of Sharia and financing documentation.

Qualifications

• University degree in a relevant field.
• Fluent in English and Arabic (spoken and written).
• Strong computer skills, including advanced Excel.
• Analytical mindset with strong writing and presentation ability.
• Solid knowledge of Sharia, financing and documentation.
• Team-oriented with good collaboration.
• Credit experience in corporate/commercial financing.

Responsibilities

• Renewals: start 2 months before expiry, review securities and conditions, ensure full approval.
• Insurance: monitor policies and renewals ahead of expiry.
• Post disbursement: ensure security compliance and address exceptions.
• Coordinate with RMs and team leaders on pending items for CAs.
• Scrutinize CAs with RM and align with conditions.
• Arrange offer letters after CA receipt and dispatch for signature.
• Prepare documentation with Middle Office; obtain Legal & Credit Admin support.
• Obtain Legal and Sharia approvals for structuring and documentation.
• Liaise on financing queries for existing and new facilities.
• Periodic review: filing, monitor repayments, due dates, and early warnings.
• Prepare CCRs and act as back-up for other analysts.
• Handle additional tasks from Head of CS and Head of PBG.
• Deliver financing services and meet risk and business objectives.
• Collaborate with internal/external clients to resolve issues.

Skills

University Degree

English & Arabic

Advanced Computer knowledge

Analytical skills

Excel skills

Writing & presentation

Sharia financing

Team player

Credit background

Education

University Degree

Job description

Job Description:

Role : Credit Analyst

Location : Abu Dhabi

Role Purpose:

Responsible for preparing customer credit proposals, preparing spreadsheets, financial analysis, and risk rating. Also to ensure monitoring and follow-up of approved lines, documentation deferrals, facility expiry and maintenance of credit files and all other private banking finance related administrative duties.

Key Accountabilities of the role

1. Renewal / Extensions: To commence the renewal process 2 months prior to CA expiry date of each client. Obtain all relevant information; review the existing securities, conditions, cash flows and compliance terms. Highlight exceptions and prepare a complete package. The CA to be fully approved prior to expiry date.

2. Insurance: Monitor expired Insurance policies and ensure to request renewal at least one month prior to expiry date.

3. Post disbursement compliance / pending security compliance / TM/RAC exceptions: Ensure all pending security compliance are obtained according to CA time lines and highlight exceptions in the latest CAs.

4. Follow up with RMs / Team leaders: on the Pending compliance items / information required to complete the CAs.

5. CAs: Scrutinize the CAs with the RM and compare with the CA conditions and revert to CRM, if needed.

6. Once the CA is received, offer letter is to be arranged from CCD without any delay and ensure dispatching to customer for signature (through the Private Banker /RM).

7. Arrange all the documentation (through Middle Office) for customer signature. Seek Legal & Credit Administration assistance in preparing both security & operational documentations etc.

8. Arrange proper Legal and Sharia approvals in structuring and documentation

9. Liaise and address all financing queries on existing and new financing

10. Periodic Review / Maintenance:

    • Filing - Properly co-ordinate with the Middle Office team for Filing to maintain properly organized credit files with accuracy and follow consistent filing procedures.

    • Monitor accounts, repayments and due dates and bring any early warning signals to the attention of the RMs

    • Track / monitor past dues and follow-up with RMs.

11. Prepare CCRs whenever appropriate

12. Act as back-up for Other Credit Analysts

13. Handle additional tasks assigned by Head of CS and Head of PBG.

14. Deliver professional financing services and ensure achievement of the PBG Credit Solutions risk and business objectives.

15. Work pro-actively with internal and external clients, including with MPM / ADIB securities, etc to provide service and resolve problems.

RESULTS REQUIERD (KPI):

1. Proper assessment of client requirements.

2. Timely submission, accuracy, strict adherence to the bank policies on the credit proposals.

3. Reporting to Head of CS of any information relevant to the credit.

4. Obtain the clarifications sought on the financials from the customer.

5. Strictly adhere to Bank’s Credit Policy and Procedures Manual and report any exceptions.

6. Accuracy of the credit terms / conditions. To take note of the changes/ addition in the terms and conditions.

7. To ensure no delays in delivering documentation.

8. Finalize the documents in accordance with the credit approval as soon as possible so that, facility shall be disbursed without delay.

9. To ensure all securities are kept under safe custody with Credit Control Department.

10. To ensure accuracy of the numbers in all work duties.

11. Proper credit monitoring and detection of early warning signals

Specialist Skills / Technical Knowledge Required for this role:

• University Degree

• Good knowledge of English and Arabic (spoken and written)

• Advanced Computer knowledge and operation

• Advanced Analytical skills

• Advanced Excel skills

• Advanced writing and presentation skills

• Solid knowledge of Sharia, financing and documentation

• Good team player

• Credit Skills / credit background with experience in corporate / commercial financing

Requirements: