Credit Analyst – Private Banking & Real Estate LTV Focus

Emirates Investment Bank pjsc; Dubai; On-site; AED 67,000 - 100,000; Full time

Job summary

Emirates Investment Bank PJSC in Dubai invites applications for a full-time Emiratisation training program designed to develop future leaders in private banking credit. The six-month journey combines foundations in banking knowledge, specialised credit training, and international certifications.

Participants will progress through three phases—Foundation, Specialisation, and Certification—before transitioning into a permanent role, with mentoring, hands-on projects, and coaching to build

Qualifications

• UAE National with a Family Book
• Bachelor's degree in Banking and Finance preferred
• GPA 2.7+
• Graduates from 2024 onwards
• Fresher or with less than 1 year experience
• National Service must be completed for male candidates

Responsibilities

• Assist in evaluation of real estate-backed lending proposals, including review of property valuations and collateral quality
• Support determination and validation of Loan-to-Value (LTV) ratios for both Equity Release and Lombard Lending, including application of internal policy thresholds and stress scenarios
• Contribute to structuring of equity release / top‑up financing proposals against existing property holdings
• Prepare and assist in drafting Credit Proposal Notes for private banking clients
• Analyze client financial profiles, including income streams, net worth statements, and liquidity positions
• Support monitoring of collateral values and margin calls, especially in volatile market conditions
• Track covenants and exposure limits, ensuring compliance with internal policies
• Liaise with Relationship Managers (Private Bankers), Risk, Legal, and Valuation teams
• Assist in portfolio reviews, including sensitivity analysis on property and security prices and LTV movements

Job description

Emirates Investment Bank PJSC in Dubai invites applications for a full-time Emiratisation training program designed to develop future leaders in private banking credit. The six-month journey combines foundations in banking knowledge, specialised credit training, and international certifications.

Participants will progress through three phases—Foundation, Specialisation, and Certification—before transitioning into a permanent role, with mentoring, hands-on projects, and coaching to build