Senior Credit Analyst

ADIB Group; Dubai; Sur place; AED 180 000 - 300 000; Plein temps

Résumé du poste

ADIB Group in Dubai seeks a Senior Credit Analyst to review and analyze credit applications, validate financial statements, and recommend financing packages aligned with bank policies. You will perform both financial and non-financial analyses, conduct site visits, and collaborate with Relationship Managers to gather complete documentation and assess risk.

Ideal candidates have 7+ years in SME/commercial banking, with strong analytical and communication skills, and fluency in English (Arabic a

Qualifications

• Review credit applications of companies and ensure consistency with bank policy.
• Perform financial and non-financial analysis for credit proposals.
• Check genuineness of customers' financials.
• Conduct site visits to verify business operations, inventory, reputation and model.
• Adhere to KPIs of application processing and targets.
• Collaborate with RM to obtain complete set of documents for review.

Responsabilités

• Review credit applications and ensure consistency with policy.
• Contribute to department objectives, goals and policies.
• Review credit proposals and recommend to higher authorities.
• Highlight risk factors and mitigations for each credit application.
• Collaborate with RM to ensure complete documentation for review and analyses.
• Verify genuineness of financials and perform financial analysis.
• Conduct independent checks through interviews and site visits to assess operations.
• Adhere to KPIs and processing targets.
• Prepare/review TM & RAC factors & MRA input.
• Maintain contact with Business Units to ensure satisfaction.
• Take on additional assignments from line manager.

Connaissances

Credit analysis

Financial analysis

Risk evaluation

Analytical thinking

Communication skills

Interpersonal skills

English/Arabic

Description du poste

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 customers 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

Required Experience:

Senior IC