Credit Analyst

Senna; Dubai; On-site; AED 210,000 - 310,000; Full time

Benefits offered by this job

Medical, life and family coverage

Exposure to diverse Business Banking信用

Competitive compensation

Job summary

Senna is seeking a Senior Credit Analyst for on-site work in the United Arab Emirates. You will assess Business Banking credit applications, perform risk checks, and support operations and reporting while ensuring adherence to policies and regulatory requirements.

Key duties include decisioning, documentation, LOUs/LPOs, and cross-functional collaboration with Sales, Operations, and risk teams to maintain strong controls and timely service levels.

Qualifications

• Bachelor's degree in Finance, Business, Banking, Economics, or related discipline.
• Minimum 2 years of experience within banking or financial services.
• Experience in credit operations, credit assessment, lending operations, or related function.
• Understanding of retail and/or business banking credit processes.
• Knowledge of credit policies, documentation requirements, and lending processes.
• Familiarity with banking systems and credit workflows.
• Understanding of regulatory and compliance requirements within banking.

Responsibilities

• Review and evaluate Business Banking credit applications in line with approved credit policies and guidelines.
• Conduct credit checks, documentation reviews, and system validations before recommending or issuing decisions.
• Process approvals, declines, and rejections within relevant credit systems.
• Ensure all decisions are supported by accurate analysis and complete documentation.
• Process credit-related activities accurately and within agreed turnaround times.
• Issue LOUs, LPOs, and related documentation following approval.
• Support ongoing credit administration and portfolio maintenance activities.
• Assist in the preparation and maintenance of management information and reporting.
• Collaborate with Business Banking, Sales, Credit Operations, and other internal stakeholders.
• Communicate on application status, documentation requirements, and operational matters.
• Support internal customers while maintaining service quality and turnaround standards.
• Identify opportunities to improve credit processes, controls, and operational efficiency.
• Recommend enhancements that improve customer service while maintaining risk discipline.
• Participate in departmental initiatives and continuous improvement programmes.
• Support the implementation of new procedures and best practices.

Skills

Credit assessment

Credit operations

Stakeholder management

Regulatory compliance

Attention to detail

Analytical thinking

Cross-functional collaboration

Education

Bachelor's degree in Finance or related field

Job description

Job Description:

The Role

The financial services firm is hiring a Senior Credit Analyst based on‑site in the United Arab Emirates. The role sits within the Credit function and covers Business Banking credit assessment, credit operations, risk controls, and stakeholder coordination.

Key Responsibilities

Credit Assessment & Decisioning

• Review and evaluate Business Banking credit applications in line with approved credit policies and guidelines.
• Conduct credit checks, documentation reviews, and system validations before recommending or issuing decisions.
• Process approvals, declines, and rejections within the relevant credit systems.
• Ensure all decisions are supported by accurate analysis and complete documentation.

Credit Operations & Administration

• Process credit-related activities accurately and within agreed turnaround times.
• Issue Letters of Undertaking (LOU), Local Purchase Orders (LPO), and related documentation following approval.
• Support ongoing credit administration and portfolio maintenance activities.
• Assist in the preparation and maintenance of management information and reporting.

Risk Management & Controls

• Perform periodic control checks and identify discrepancies or process gaps.
• Escalate irregularities, incidents, or potential risks in a timely manner.
• Ensure compliance with internal procedures, operating guidelines, and regulatory requirements.
• Contribute to maintaining a strong control environment across the Credit function.

Stakeholder Management

• Collaborate with Business Banking, Sales, Credit Operations, and other internal stakeholders.
• Communicate on application status, documentation requirements, and operational matters.
• Support internal customers while maintaining service quality and turnaround standards.

Process Improvement

• Identify opportunities to improve credit processes, controls, and operational efficiency.
• Recommend enhancements that improve customer service while maintaining risk discipline.
• Participate in departmental initiatives and continuous improvement programmes.
• Support the implementation of new procedures and best practices.

Skills & Experience

• Bachelor's degree in Finance, Business, Banking, Economics, or a related discipline.
• Minimum 2 years of experience within banking or financial services.
• Experience in credit operations, credit assessment, lending operations, or a related function.
• Understanding of retail and/or business banking credit processes.
• Knowledge of credit policies, documentation requirements, and lending processes.
• Familiarity with banking systems and credit workflows.
• Understanding of regulatory and compliance requirements within the banking sector.
• Strong attention to detail with the ability to process transactions and reviews accurately.
• Solutions-oriented with strong analytical capabilities.
• Ability to collaborate effectively across multiple functions.

Compensation & Benefits

• Competitive, performance-linked compensation.
• Medical coverage for the employee and their family.
• Comprehensive life insurance.
• Exposure to a broad range of Business Banking credit products.