Credit Analyst

ADIB Group; Sharjah; On-site; AED 120,000 - 200,000; Full time

Job summary

A financial institution in Sharjah is seeking a Credit Analyst for Home Finance. The candidate will support branches by processing finance applications, analyzing bank statements, and ensuring compliance with policies. Required qualifications include over 3 years of banking experience in finance and credit, strong analytical skills, and fluency in both Arabic and English. This role emphasizes teamwork and adherence to regulatory standards.

Qualifications

• Minimum 3 years of practical banking experience, preferably in finance & credit.
• Good credit and analytical skills required.
• Detailed knowledge of Retail Banking credit products & services.

Responsibilities

• Review and process finance applications in a timely fashion.
• Analyze bank statements and applicants' financial status.
• Support branches in achieving monthly budget & targets.

Skills

Credit analysis

Analytical skills

Banking experience

Communication skills

Computer skills

Bilingual (Arabic & English)

Job description

Role : Credit Analyst - Home Finance

Location : Sharjah

Role Purpose:

Provide full support to branches and DSUs by reviewing and processing proposed finance applications in a timely fashion and within approved policies.

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 applicants financial statements and comment on its findings (where required).
• Check customers 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 ADIBs 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 DSUs 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 ADIBs 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 ADIBs Retail Banking credit products & services
• Broad knowledge of ADIBs 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

Required Experience:

IC