Credit Analyst

ADIB Group; Sharjah; On-site; AED 120,000 - 180,000; Full time

Job summary

A leading financial institution in Sharjah is seeking a Credit Analyst for Home Finance. The role involves reviewing finance applications and ensuring compliance with policies. Candidates should have a minimum of 3 years of experience in banking, good analytical skills, and fluency in Arabic and English. The position offers an opportunity to contribute to business targets while maintaining a high-quality portfolio.

Qualifications

• Good credit and analytical skills.
• Minimum 3 years of practical banking experience in finance & credit.
• Detailed knowledge of credit products & services.
• Good communication and computer skills.
• Strong command of Arabic & English.

Responsibilities

• Review and process finance applications timely and accurately.
• Analyze financial documents for genuineness and compliance.
• Meet daily targets while minimizing errors.
• Provide feedback on finance applications.

Skills

Credit analysis

Analytical skills

Communication skills

Computer skills

Knowledge of UAE banking practices

Bilingual (Arabic & English)

Education

3 years of banking experience

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 Risk Rating
• Analyze Bank Statements to assess their 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 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 scorecard.
• 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 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 in the daily underwriting activities.
• Improve communication with 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 ADIB's policies & 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.
• Detailing of the documents.
• Strong command of Arabic & English language.

Required Experience

IC