Senior Credit Analyst: SME Financing & Risk Lead

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

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.