وصف الوظيفة
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 DSUs by reviewing and processing proposed finance applications in a timely fashion and within approved policies.
Key Responsibilities
Application Review & Processing
- Examine credit applications for completeness and timeliness of information, noting exceptions for correction.
- Prepare error-free credit documentation.
- Observe agreed turnaround time (TAT).
- Meet minimum daily targets assigned by management while maintaining the lowest level of errors as measured by scorecard.
- Escalate cases requiring higher decision-making authority with full analysis and recommendations to facilitate decision-making.
Credit Analysis
- Analyze bank statements to assess genuineness, continuity, business turnovers, cheque returns, average balances, and detect any chance of artificial fabrication.
- Analyze applicant's financial statements and comment on findings where required.
- Apply vigilance in applying de-dupes.
- Check customer's status through de-dupes and CBRB.
Compliance & Risk Management
- Ensure compliance with policies and satisfactory risk rating.
- Comply with and perform key operational controls as required in ADIB's policies and procedures in day-to-day operations.
- Support business in capturing customers within acceptable parameters without violating Central Bank regulations.
Knowledge & Continuous Improvement
- Demonstrate full and up-to-date knowledge of ADIB's products, policies, and procedures.
- Proactively and continually make and recommend system changes and enhancements.
- Ensure that all procedures and policies are implemented and being followed in compliance with the organization.
Stakeholder Management & Communication
- Improve communication with branches and DSUs as internal customers.
- Provide constructive comments and feedback on proposed finance applications.
- Demonstrate full team spirit and positive attitude.
General
- 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.
Skills & Competencies
- Good credit and analytical skills and knowledge.
- 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.
- Good communication skills.
- Good computer skills.
Additional Information
- This position is for UAE Nationals only.
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