Senior Credit Analyst

Location:

Dubai

The role includes review / analyzing customers Credit Applications, Availments and SFCAs.

Check documents and genuineness of financial statements, conduct financial and non-financial analysis for Credit Proposals in accordance with bank policies and recommend the financing package that meets customer requirements/ capabilities.

• To review credit applications of companies with a and ensure that it is in-consistent with credit programs, TM RAC, bank policy, central bank law & regulations.
• Contribute to achieving the department objectives, goals & policies.
• Reviewing the credit proposals and recommending the proposals to the higher authorities.
• Highlight risk factors & mitigation, in each credit application
• Collaborate with the RM to make sure receiving complete set of documents required for review / analyses of the credit application.
• Verify genuineness of customers’ financials. & Perform financials analysis.
• Conducting Independent checks of the customer’s business operations, inventory levels, reputation and business model through conducting a site visit.
• These checks are to be carried out by conducting interviews with the customers’ buyers and sellers, neighbors and field visits to business sites.
• Adhere to KPls of application processing and required targets.
• Prepare/ review TM & RAC factors & MRA input.
• Maintain contact with all Business Units in the Bank to ensure high levels of Business units’ satisfaction
• Conduct any other assignments assigned by the Line Manager

• 90% of cases to be finalized within the agreed TAT
• To process cases/transactions as allocated
• Ensure no regulatory issue for cases reviewed
• To attend and pass training courses as prescribed
• Help in maintaining satisfactory internal and external audit ratings

• Good understanding of business, finance, economics, and current affairs
• Analytical Thinking & Business Oriented approach
• Strong interpersonal and communication skills, both verbal and written.
• Initiative, analytical & risk evaluation / mitigation
• English Language/ Arabic is plus.

• Minimum 7 years’ experience in SME/ Commercial Business and Banking