Credit Analyst

ADIB - Abu Dhabi Islamic Bank; Sharjah; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading Islamic bank in the UAE is seeking a Credit Analyst for Home Finance to support branches by reviewing finance applications and ensuring compliance with policies. The ideal candidate will have at least 3 years of practical banking experience, possess strong analytical skills, and be fluent in Arabic and English. This role plays a key part in helping to achieve monthly targets and maintaining a high-quality portfolio.

Qualifications

• Minimum 3 years of practical banking experience, preferably in finance & credit.
• Detailing of the documents required for loan processing.
• Broad knowledge of Retail Credit & Operational Policies.

Responsibilities

• Review and process finance applications in a timely manner.
• Analyze applications for completeness and note exceptions.
• Support business in achieving monthly budget & targets.

Skills

Credit and analytical skills

Communication skills

Computer skills

Knowledge of UAE banking practices

Fluent in Arabic and English

Job description

Overview

Role : Credit Analyst - Home Finance
Location : Sharjah

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.

Key Accountabilities

• Examining credit applications 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 to assess 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, also ensure 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 REQUIERD

• 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 in 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

• 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