Senior Credit Analyst

ADIB - Abu Dhabi Islamic Bank; Dubai; On-site; AED 240,000 - 420,000; Full time

Job summary

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

The role requires deep financial and non-financial analysis, collaboration with relationship managers, site visits, and risk mitigation for SME and commercial banking clients. The position demands proactive, detail-oriented professionals with strong communication skills.

Qualifications

• Strong analytical and financial analysis skills needed.
• Ability to evaluate risk and mitigate it in credit proposals.
• Effective written and verbal communication with internal and external stakeholders.
• Proactive, with initiative and ability to work under pressure.
• English language is mandatory; Arabic adds value.

Responsibilities

• Review credit applications of SME/commercial clients and ensure alignment with policies and regulations.
• Highlight risk factors and mitigation strategies in each proposal.
• Collaborate with RM to obtain complete documentation for review.
• Verify genuineness of financial statements and perform financial analysis.
• Conduct site visits and interviews to assess business operations and market position.
• Meet processing targets and contribute to audit readiness.

Skills

Analytical thinking

Financial analysis

Communication skills

Risk evaluation

English/Arabic

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

Requirements