Credit Analyst

Role:
Credit Analyst

Location:

Abu Dhabi/Sharjah

Provide full support to branches and DSU’s by reviewing and processing proposed finance applications in a timely fashion and within approved polices.

• Examining credit application for completeness and timeliness of information, noting exceptions for correction.
  • Preparation of error‑free credit docs
  • Vigilance in applying de‑dupes
  • Observing agreed TAT
  • Compliance policies and satisfactory Risk Rating
• Analyze Bank Statements to assess its genuineness, continuity, business turnovers, cheque returns, average balances and to observe if there is any chance of artificial fabrication of such statements.
• Analyze applicant’s financial statements and comment on its findings (where required).
• Check customer’s status through de‑dupes/CBRB.
• Meeting the minimum daily targets assigned by management while maintaining the lowest level of errors as measured by the score card.
• Escalate cases requiring higher DP with full analysis and recommendations to facilitate their decision making.
• Demonstrate full and up‑to‑date knowledge of ADIB’s products, policies and procedures.
• Proactively and continually make and recommend system changes and enhancements, also ensure that all procedures and policies are implemented and being followed in compliance with organization.
• Demonstrate full team spirit and positive attitude.
• Perform any other responsibilities entrusted by ADIB Management from time to time and any other task assigned by Management.

• Support business in achieving monthly budget & targets while maintaining highest quality portfolio.
• Additional support to business in capturing customers within the acceptable parameters without violating CB regulations.
• Contribute positively to the daily underwriting activities.
• Improve communication with branches and DSU’s as being internal customers.
• Provide constructive comments and feedback on proposed finance applications.
• Compliance of policies & procedures – Comply and perform Key operational controls as required in ADIB’s polices & procedures in day‑to‑day operations.

• Good credit and analytical skills and knowledge.
• Minimum 3 years of practical banking experience preferably in the finance & credit field.
• Detailed knowledge of ADIB’s Retail Banking credit products & services.
• Broad knowledge of ADIB’s Retail Credit & Operational Policies & Procedures.
• Good Knowledge of UAE banking practices, regulations & risks.
• Good communication skills.
• Good Computer Skills.