Credit Analyst

Gargash Prime Leasing

Dubai, UAE

Full-time

Entry

Onsite

Discovered 6 days ago

Credit analysisCredit underwritingFinancial statement analysisCredit bureau analysisBank statement analysisAffordability analysis

Free

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Key skills for this role

Credit analysisCredit underwritingFinancial statement analysis

Assess individual and corporate vehicle lease applications, determine affordability and creditworthiness, and provide evidence-based recommendations.

Monitor portfolio quality and contribute to credit policy, scoring criteria, and fraud-control improvements.

Review lease applications for completeness, accuracy, eligibility, credit-policy compliance, and product-criteria compliance.
Validate identity, residency, visa, salary, employment, banking, trade-license, and corporate financial documentation.
Interpret credit bureau reports and verify employer, income, and contact details.

Calculate disposable income, debt burden, and affordability headroom using obligations, dependants, housing costs, and proposed lease rental.
Assess income stability, employer standing, sector risk, service length, and contract or commission-based earnings.
Analyze corporate and fleet liquidity, leverage, profitability, cash flow, related-party exposure, guarantees, and asset structure risk.

Complete customer due diligence, beneficial ownership checks, identity verification, sanctions screening, and adverse media screening.
Identify fraud, forgery, income inflation, and identity-misuse indicators and escalate suspicious cases without alerting applicants.
Process applications in line with company policy, UAE anti-money laundering requirements, and confidentiality obligations.

Prepare credit assessment notes describing applicant profiles, risks, mitigants, and recommended decisions.
Approve or decline within delegated authority and present borderline or higher-value cases to the approving authority.
Recommend risk-based changes to tenor, down payment, security, guarantees, or pricing and communicate decisions to sales.

Monitor arrears, delinquency, early payment default, and concentration by employer, sector, nationality band, and vehicle segment.
Support collections and recovery through account analysis, restructuring assessments, and repossession recommendations.
Maintain auditable records, produce performance reporting, and improve credit policy, scoring, authority levels, and fraud controls.

Bachelor's degree in Finance, Accounting, Economics, Banking, or a related field.
Three to five years of credit analysis or underwriting experience in vehicle leasing, auto finance, banking, or a non-banking financial institution.
UAE market experience with credit bureau data and local employment, visa, and income documentation is essential.
Professional credit, risk, or accounting qualification is an advantage.
Retail and corporate or fleet lending exposure is highly preferred.

Strong analytical ability, financial statement analysis, bank statement analysis, and credit bureau interpretation.
Working knowledge of UAE credit, KYC, and anti-money laundering requirements.
Advanced MS Excel skills and experience with credit and loan management systems.
Fluent English is required; Arabic is an advantage.
Clear communication, integrity, objectivity, discretion, and constructive collaboration with sales are expected.