Senior Credit Analyst

ADIB; Dubai; On-site; AED 240,000 - 420,000; Full time

Job summary

Abu Dhabi Islamic Bank (ADIB) is hiring a Senior Credit Analyst in Dubai to review and analyze SME/commercial credit applications and propose financing packages aligned with bank policies.

The role requires thorough financial and non-financial analysis, collaboration with RMs, and ensuring regulatory compliance while achieving TAT targets.

Qualifications

• Minimum 7 years’ experience in SME/Commercial Banking.
• Languages: English (Arabic a plus).

Responsibilities

• Review credit applications of companies to ensure consistency with credit programs, TM RAC, bank policy, central bank law, and regulations.
• Contribute to department objectives, goals, and policies.
• Review credit proposals and recommend them to higher authorities.
• Highlight risk factors and mitigation in each credit application.
• Collaborate with the Relationship Manager to ensure complete documentation for review and analysis.
• Verify genuineness of customers’ financials and perform financial analysis.
• Conduct site visits to verify business operations, inventory, reputation, and model viability.
• Attend and pass prescribed training courses and maintain audit readiness.

Skills

Analytical Thinking

Business Oriented

Interpersonal & Communications

Initiative

Financial Analysis

Job description

Job Location: Dubai, United Arab Emirates

Work Mode: On-site

Date Posted: 12 October 2026

Job Reference/ID: 4734

Job Description / Role:

The Senior Credit Analyst is responsible for reviewing and analyzing customer Credit Applications, Availments, and SFCAs. The role involves checking the genuineness of financial statements, conducting financial and non-financial analysis for Credit Proposals in accordance with bank policies, and recommending financing packages that meet customer requirements and capabilities.

Key Responsibilities:

• Review credit applications of companies to ensure consistency with credit programs, TM RAC, bank policy, central bank law, and regulations.
• Contribute to achieving the department objectives, goals, and policies.
• Review credit proposals and recommend them to higher authorities.
• Highlight risk factors and mitigation in each credit application.
• Collaborate with the Relationship Manager (RM) to ensure receipt of a complete set of documents required for review and analysis of the credit application.
• Verify the genuineness of customers’ financials and perform financial analysis.
• Conduct independent checks of the customer’s business operations, inventory levels, reputation, and business model through site visits.
• Carry out checks by conducting interviews with the customers’ buyers, sellers, neighbors, and field visits to business sites.
• Adhere to KPIs 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 unit satisfaction.
• Conduct any other assignments assigned by the Line Manager.
• Finalize 90% of cases within the agreed TAT.
• Process cases/transactions as allocated.
• Ensure no regulatory issues for cases reviewed.
• Attend and pass training courses as prescribed.
• Help in maintaining satisfactory internal and external audit ratings.

Experience Required: Minimum 7 years’ experience in SME/ Commercial Business and Banking

Skills Required:

• Good understanding of business, finance, economics, and current affairs
• Analytical Thinking
• Business Oriented approach
• Strong interpersonal and communication skills, both verbal and written
• Initiative

Languages: English Language/ Arabic is plus.

Employment / Job Type: Full Time

About the Company:

Abu Dhabi Islamic Bank, a Sharia compliant financial institution offering retail, corporate, private and digital banking. Its products cover accounts, home and vehicle finance, cards, wealth management and business services for customers in the UAE and selected international markets.

Company Industry: Banking

Department / Functional Area: ADIB

Closing Date: Not mentioned (apply as soon as possible)