Credit Analyst

ADIB - Abu Dhabi Islamic Bank; Sharjah; On-site; AED 90,000 - 120,000; Full time

Job summary

ADIB - Abu Dhabi Islamic Bank in Sharjah, UAE, is seeking a Credit Analyst to support branches and DSUs by reviewing and processing finance applications promptly and in line with policies. The role emphasizes UAE nationals only and requires strong analytical capabilities and familiarity with ADIB products and procedures.

The analyst will assess bank statements, financials, and customer statuses, aiming to maintain a high-quality portfolio while meeting daily targets.

Qualifications

• 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.

Responsibilities

• Examine credit applications for completeness and timeliness, noting corrections.
• Prepare error-free credit documents and apply de-dupes.
• Analyze bank statements for genuineness, turnover, and potential fabrication.
• Assess applicant’s financial statements and comment on findings.
• Check customer status through de-dupes/CBRB.
• Meet daily targets with minimal errors.
• Escalate cases with full analysis to facilitate decisions.
• Maintain up-to-date knowledge of ADIB products, policies, and procedures.
• Recommend system changes and ensure procedures are followed.
• Support branches and DSUs as internal customers.

Skills

Credit analysis

Banking experience

Retail credit products

Policies & procedures

UAE banking regulations

Communication skills

Computer skills

Job description

Role: Credit Analyst

Location: Sharjah, 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

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

This position is for UAE Nationals only.