Credit Analyst

Credit Analyst

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Location:

Abu Dhabi/Sharjah

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

• Examining credit applications 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 with policies and satisfactory Risk Rating
• Analyze bank statements to assess genuineness, continuity, business turnovers, cheque returns, average balances and to observe any chance of artificial fabrication.
• Analyze applicant’s financial statements and comment on findings (where required).
• Check customer’s status through de‑dupes/CBRB.
• Meet 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 decision making.
• Demonstrate full and up-to‑date knowledge of ADIB’s products, policies and procedures.
• Proactively suggest system changes and enhancements, ensuring procedures and policies are implemented and followed in compliance with organization standards.
• Demonstrate full team spirit and positive attitude.
• Perform any other responsibilities entrusted by ADIB Management from time to time.

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

• Good credit and analytical skills and knowledge.
• Minimum 3 years of practical banking experience, preferably in finance & credit.
• 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.

• Not Applicable

• Full‑time

• Finance and Sales

• Banking