Credit Analyst

Role: Credit Analyst
Location: Sharjah, UAE

Role purpose:

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

Key accountabilities of the role:

• Examining credit Application 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 policies and satisfactory Risk Rating.

• Analyze Bank Statements so as assess its 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 its findings (where required).

• Check customer’s status through de-dupes/CBRB.

• Meeting 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 their decision making

• Demonstrate full and up to date knowledge of ADIB’s products, policies and procedures.

• Proactively and continually make and recommend system changes and enhancements, also ensure that all procedures and policies are implemented and being followed in compliance with 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

Results required:

• Support business in achieving monthly budget & targets while maintaining highest quality portfolio

• Additional support to business in capturing customers within the acceptable parameters without violating CB regulations.

• Contribute positively to the daily underwriting activities

• Improve communication branches and DSU’s as being internal customers

• Provide constructive comments and feedback on proposed finance applications

• Compliance of policies & procedures – Comply and perform Key operational controls as required in ADIB’s polices & procedures in day-to-day operations.

Specialist skills / technical knowledge required for this role:

• Good credit and analytical skills and knowledge

• Minimum 3 years of practical banking experience preferably in the finance & credit field

• 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