Specialist, Personal Banking Credit - Credit

United Arab Bank; Sharjah; On-site; AED 90,000 - 150,000; Full time

Job summary

United Arab Bank seeks a Retail Mortgage Credit Analyst to assess mortgage loan applications and determine creditworthiness. The role analyzes financial and non-financial information, performs risk assessments, and ensures compliance with credit policies and regulatory requirements.

The successful candidate will support Sales, Relationship Managers, Operations and Real Estate, delivering sound credit recommendations and maintaining audit-ready documentation.

Qualifications

• English and Arabic communication skills are required.
• 3-5 years’ experience in retail credit underwriting.
• Experience with individual credit delegation / lending authority.
• Strong experience assessing self-employed applicants.
• Fluency in English and Arabic.

Responsibilities

• Review and analyze mortgage loan applications for salaried and self-employed customers.
• Assess income, employment stability, debt burden, affordability and repayment capacity.
• Calculate Debt Burden Ratio (DBR), Loan-to-Value (LTV) and other credit metrics.
• Prepare comprehensive credit assessment reports and recommendations.
• Approve applications within delegated authority or escalate as needed.
• Ensure compliance with internal credit policies and regulatory guidelines.
• Maintain documentation and audit trails.
• Collaborate with Sales, Relationship Managers, Operations and Real Estate Department.

Skills

English & Arabic communication

Education

Finance/ CPA or CA qualification

Job description

Job Purpose:

The Retail Mortgage Credit Analyst is responsible for assessing and evaluating mortgage loan applications from individual customers to determine creditworthiness and repayment capacity. The role involves analysing financial and non-financial information, conducting risk assessments, ensuring compliance with the bank's credit policies and regulatory requirements, and making sound credit recommendations to support profitable and prudent mortgage lending

Principal Accountabilities:

• Review and analyze mortgage loan applications for salaried and self-employed customers.


• Assess customers' income, employment stability, debt burden, affordability, and repayment capacity.


• Calculate Debt Burden Ratio (DBR), Loan-to-Value (LTV), and other key credit metrics.


• Verify customer information through supporting documents, credit bureau reports, bank statements, and employer checks.


• Analyze financial statements and business performance for self-employed applicants


• Evaluate the overall credit risk of mortgage applicants.


• Identify potential risks, red flags, and mitigating factors.


• Assess collateral quality, property valuation reports, and legal documentation.


• Recommend appropriate loan structure, tenor, pricing, and conditions.


• Prepare comprehensive credit assessment reports and recommendations.


• Approve applications within delegated authority limits or recommend approval/rejection to higher approval authorities.


• Ensure consistency and quality of underwriting decisions.


• Monitor trends in mortgage portfolio performance.


• Identify early warning signals and emerging risks.


• Participate in portfolio reviews and remediation activities.


• Ensure compliance with internal credit policies, regulatory guidelines, and lending standards.


• Maintain proper documentation and audit trail for all decisions.


• Support internal and external audit requirements


• Work closely with Sales, Relationship Managers, Operations, Credit Admin and Real Estate Department


• Provide guidance on credit policy interpretation and deal structuring.


• Support process improvement initiatives to enhance turnaround times and customer experience.


• Optimize and enhance the lending target market, policies, and processes to improve overall effectiveness and efficiency.

Job Requirements (Qualification/Experience):

• Finance/ CPA or CA qualification or an equivalent internationally recognised professional accounting qualification.


• 3-5 years’ experience in retail credit underwriting


• Prior experience exercising individual credit delegation / lending authority strongly preferred.


• Strong experience assessing self-employed


• Effective communication skills in English and Arabic