Senior Credit Analyst - Risk & Credit Strategist (Dubai)

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

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.