Credit Analyst

Role Overview

Credit Analyst at ADIB, located in Al Ain, UAE. This position is for UAE Nationals only.

Role Purpose

Provide full support to branches and Dedicated Service Units by reviewing and processing proposed finance applications in a timely fashion and within approved policies.

Key Responsibilities

Credit Review & Analysis

• Examine credit applications for completeness and timeliness of information, noting exceptions for correction.
• Analyze applicant's financial statements and comment on findings where required.
• Analyze Bank Statements to assess genuineness, continuity, business turnovers, cheque returns, average balances, and detect any chance of artificial fabrication.
• Check customer's status through de-dupes and CBRB.
• Provide constructive comments and feedback on proposed finance applications.

Documentation & Compliance

• Prepare error-free credit documents.
• Observe agreed Turnaround Time (TAT).
• Ensure compliance with policies and satisfactory Risk Rating.
• Demonstrate full and up-to-date knowledge of ADIB's products, policies, and procedures.
• Comply with and perform Key operational controls as required in ADIB's policies and procedures in day-to-day operations.

Quality & Operational Excellence

• Apply de-dupes vigilantly.
• Meet minimum daily targets assigned by management while maintaining the lowest level of errors as measured by the scorecard.
• Support business in achieving monthly budget and targets while maintaining highest quality portfolio.
• Contribute positively to daily underwriting activities.
• Improve communication with branches and DSUs as internal customers.

Risk Management & Escalation

• Escalate cases requiring higher decision-making authority with full analysis and recommendations to facilitate their decision-making.
• Support business in capturing customers within acceptable parameters without violating Central Bank regulations.

Continuous Improvement

• Proactively and continually make and recommend system changes and enhancements.
• Ensure that all procedures and policies are implemented and followed in compliance with the 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.

Qualifications & Experience

• Minimum 3 years of practical banking experience, preferably in the finance and credit field.
• Detailed knowledge of ADIB's Retail Banking credit products and services.
• Broad knowledge of ADIB's Retail Credit and Operational Policies and Procedures.
• Good knowledge of UAE banking practices, regulations, and risks.

Skills & Competencies

• Good credit and analytical skills and knowledge.
• Good communication skills.
• Good computer skills.

Additional Information

This position is for UAE Nationals only.