Credit Analyst

ADIB - Abu Dhabi Islamic Bank; Al Ain; On-site; AED 80,000 - 120,000; Full time

Job summary

ADIB - Abu Dhabi Islamic Bank in Al Ain, UAE, seeks a Credit Analyst to review and process finance applications within approved policies, supporting branches and DSU. This UAE nationals-only role emphasizes risk assessment and timely decision support.

The role requires strong analytical skills, familiarity with retail credit products, and adherence to UAE banking regulations. You will cover underwriting, documentation, and collaboration with internal customers to ensure quality portfolios.

Qualifications

• Minimum 3 years of practical banking experience, preferably in finance and credit.
• Detailed knowledge of ADIB Retail Banking credit products and services.
• Strong understanding of UAE banking regulations, risks and procedures.

Responsibilities

• Review and prepare complete credit applications within policy.
• Analyze bank statements for genuineness, turnover, and potential manipulation.
• Assess applicant’s financial statements and provide findings when required.
• Meet daily targets with minimal errors as per scorecard.
• Escalate cases with full analysis to support decision making.
• Demonstrate up-to-date knowledge of ADIB products, policies and procedures.
• Suggest system changes to improve processes and ensure policy compliance.
• Provide feedback on proposed finance applications.

Skills

Credit analysis

Banking experience

ADIB retail products

ADIB policies & procedures

UAE banking regulations

Communication skills

Computer skills

Job description

Role: Credit Analyst

Location: Al Ain, UAE

Role purpose:

Provide full support to branches and DSU’s by reviewing and processing proposed finance applications in a timely fashion and within approved polices

This position is for UAE Nationals only.

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 RiskRating.
• Analyze Bank Statements so as assess its genuineness, continuity, business turnovers, cheque returns, average balances and to observe if there is any chance of artificial fabrication of such statements.
• Analyze applicant’s financial statements and comment on its findings (where required).
• Check customer’s 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, alsoensure that all procedures and policies are implemented and being followed in compliance with organization.
• Demonstrate full team spirit and positive attitude.
• Perform any other responsibilities entrusted by ADIB Management from time to time and any other task assigned by Management

This position is for UAE Nationals only.

Results required:

• Support business in achieving monthly budget & targets while maintaining highest quality portfolio
• Additional support to business in capturing customers within the acceptable parameters without violating CB regulations.
• Contribute positively to the daily underwriting activities
• Improve communication branches and DSU’s as being 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 polices & 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