Credit Analyst

Abu Dhabi Islamic Bank; United Arab Emirates; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading financial institution in Abu Dhabi is seeking an experienced Credit Analyst for Home Finance. The role involves supporting branches by reviewing finance applications and ensuring compliance with policies. Candidates should have at least 3 years of banking experience, strong analytical skills, and proficiency in Arabic and English. Attractive salary and career development opportunities await.

Qualifications

• Minimum 3 years of practical banking experience, preferably in finance & credit.
• Detailed knowledge of ADIB’s retail banking credit products & services.
• Good knowledge of UAE banking practices, regulations & risks.

Responsibilities

• Examine credit applications for completeness and timeliness.
• Analyze bank statements for genuineness and business turnovers.
• Check customer status using de-dupes/CBRB.
• Meet daily targets with minimal errors.
• Provide feedback on proposed finance applications.

Skills

Credit analysis

Banking regulations knowledge

Communication skills

Analytical skills

Computer skills

Detailing of documents

Bilingual (Arabic & English)

Job description

Role

Credit Analyst - Home Finance
Location: Abu Dhabi

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.

Responsibilities

1. 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.
2. 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.
3. Analyze applicant’s financial statements and comment on its findings (where required).
4. Check customer’s status through de-dupes/CBRB.
5. Meeting the minimum daily targets assigned by management while maintaining the lowest level of errors as measured by the score card.
6. Escalate cases requiring higher DP with full analysis and recommendations to facilitate their decision making.
7. Demonstrate full and up to date knowledge of ADIB’s products, policies and procedures.
8. 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.
9. Demonstrate full team spirit and positive attitude.
10. Perform any other responsibilities entrusted by ADIB Management from time to time and any other task assigned by Management.

Results Required

1. Support business in achieving monthly budget & targets while maintaining highest quality portfolio.
2. Additional support to business in capturing customers within the acceptable parameters without violating CB regulations.
3. Contribute positively in the daily underwriting activities.
4. Improve communication branches and DSU’s as being internal customers.
5. Provide constructive comments and feedback on proposed finance applications.
6. 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

1. Good credit and analytical skills and knowledge.
2. Minimum 3 years of practical banking experience preferably in the finance & credit field.
3. Detailed knowledge of ADIB’s Retail Banking credit products & services.
4. Broad knowledge of ADIB’s Retail Credit & Operational Policies & Procedures.
5. Good Knowledge of UAE banking practices, regulations & risks.
6. Good communication skills.
7. Good Computer Skills.
8. Detailing of the documents.
9. Strong command of Arabic & English language.