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 DSUs by reviewing and processing proposed finance applications in a timely fashion and within approved policies.

Key Responsibilities

Credit Analysis & Assessment

• Examine credit applications for completeness and timeliness of information, noting exceptions for correction.
• Analyze Bank Statements to assess 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 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.
• Ensure compliance of policies and procedures by complying with and performing Key operational controls as required in ADIB's policies and procedures in day-to-day operations.
• Observe agreed TAT (Turnaround Time).

Documentation & Quality

• Prepare error-free credit documents.
• Meet the minimum daily targets assigned by management while maintaining the lowest level of errors as measured by the scorecard.

Decision Support & Escalation

• Escalate cases requiring higher DP with full analysis and recommendations to facilitate decision-making.

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, and ensure that all procedures and policies are implemented and being followed in compliance with the organization.

Stakeholder Management & Culture

• Demonstrate full team spirit and positive attitude.
• Improve communication with branches and DSUs as internal customers.
• Provide constructive comments and feedback on proposed finance applications.

General Responsibilities

• Support business in achieving monthly budget and targets while maintaining highest quality portfolio.
• Provide additional support to business in capturing customers within acceptable parameters without violating CB regulations.
• Contribute positively to daily underwriting activities.
• 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.