Senior Credit Analyst

Abu Dhabi Islamic Bank; Abu Dhabi; On-site; AED 279,000 - 424,000; Full time

Job summary

Abu Dhabi Islamic Bank in Dubai seeks a Senior Credit Analyst to review and analyze credit applications, availments and SFCAs, ensuring compliance with bank policies and regulatory requirements.

You will verify financial statements, perform risk assessment, and prepare financing proposals for consideration by senior staff. The role requires 7+ years in SME/commercial banking, strong communication in English, and readiness to engage in-site verification activities.

Qualifications

• Minimum 7 years’ experience in SME/Commercial Banking.
• Strong financial statement analysis and credit proposal review.
• Knowledge of bank policies, TM RAC, and regulatory requirements.
• Analytical mindset with risk assessment and mitigation focus.
• Excellent written and verbal communication in English; Arabic is a plus.

Responsibilities

• Review credit applications of companies and ensure alignment with credit programs, TM RAC, bank policy, and regulations.
• Contribute to department objectives and risk controls.
• Review credit proposals and recommend to higher authorities.
• Highlight risk factors and mitigations in each application.
• Coordinate with Relationship Manager to obtain complete documents for review.
• Verify genuineness of financials and perform financial analysis.
• Conduct site visits to verify business operations and gather firsthand information.
• Adhere to KPIs and processing targets; input TM & RAC factors and MRA data.
• Maintain strong collaboration with all Business Units to ensure satisfaction.
• Execute additional tasks assigned by the Line Manager.

Job description

Job description

Role: Senior Credit Analyst

Location: Dubai

Role purpose:

The role includes review / analyzing customers Credit Applications, Availments and SFCAs.

Check documents and genuineness of financial statements, conduct financial and non-financial analysis for Credit Proposals in accordance with bank policies and recommend the financing package that meets customer requirements/ capabilities.

Key accountabilities of the role:

Responsibilities:

• To review credit applications of companies with a and ensure that it is in-consistent with credit programs, TM RAC, bank policy, central bank law & regulations.
• Contribute to achieving the department objectives, goals & policies.
• Reviewing the credit proposals and recommending the proposals to the higher authorities.
• Highlight risk factors & mitigation, in each credit application
• Collaborate with the RM to make sure receiving complete set of documents required for review / analyses of the credit application.
• Verify genuineness of customers’ financials. & Perform financials analysis.
• Conducting Independent checks of the customer’s business operations, inventory levels, reputation and business model through conducting a site visit.
• These checks are to be carried out by conducting interviews with the customers’ buyers and sellers, neighbors and field visits to business sites.
• Adhere to KPls of application processing and required targets.
• Prepare/ review TM & RAC factors & MRA input.
• Maintain contact with all Business Units in the Bank to ensure high levels of Business units’ satisfaction
• Conduct any other assignments assigned by the Line Manager

Results required:

• 90% of cases to be finalized within the agreed TAT
• To process cases/transactions as allocated
• Ensure no regulatory issue for cases reviewed
• To attend and pass training courses as prescribed
• Help in maintaining satisfactory internal and external audit ratings

Specialist skills / technical knowledge required for this role:

• Good understanding of business, finance, economics, and current affairs
• Analytical Thinking & Business Oriented approach
• Strong interpersonal and communication skills, both verbal and written.
• Initiative, analytical & risk evaluation / mitigation
• English Language/ Arabic is plus.

Previous experience requirement:

• Minimum 7 years’ experience in SME/ Commercial Business and Banking