Credit Analyst
Job Fit Check
Base Career helps you apply smarter for this job.
Key skills for this role
About the Role
ADIB is seeking a Credit Analyst to support branches by reviewing and processing finance applications in Sharjah. The role requires analyzing financial statements, ensuring compliance, and meeting targets.
Key Skills for This Role
Responsibilities
- Examine credit applications for completeness and timeliness, noting exceptions for correction
- Analyze bank statements to assess genuineness, continuity, business turnovers, cheque returns, average balances
- Analyze applicant's financial statements and comment on findings
- Check customer's status through de dupes/CBRB
- Meet minimum daily targets while maintaining low error levels
- Escalate cases requiring higher DP with full analysis and recommendations
- Demonstrate full knowledge of ADIB's products, policies and procedures
- Proactively recommend system changes and enhancements
Requirements
- Minimum 3 years of practical banking experience preferably in finance & credit field
- Good credit and analytical skills
- 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
Full Job Posting
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 Accountabilities
- Examining credit Application for completeness and timeliness, 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.
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
- 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
Apply for this job in 1 click
Skip the repetitive application forms
Install the Base Career Chrome Extension and autofill job applications across major job boards with your profile.
Trusted by over 500,000 job seekers on Base Career
More from this employer
More jobs at ADIB - Abu Dhabi Islamic Bank
Relationship Manager- Business Liabilities & Cash Management
Abu Dhabi, UAE
ADIB seeks a Relationship Manager to drive growth in liabilities, FX, and fees for elite business clients. The role involves portfolio management, cross-selling, risk monitoring, and client relationship management in Abu
Universal Banker
Dubai, UAE
ADIB - Abu Dhabi Islamic Bank is hiring a Universal Banker for its Dubai branch. The role combines helpdesk and customer relationship duties, providing service to walk-in customers and identifying their needs. This posit
Operations Officer - Offshore Governance
Dubai, UAE
ADIB seeks an Operations Officer to establish and maintain governance frameworks for outsourced offshore operations. The role involves monitoring vendor KPIs, leading performance reviews, and ensuring compliance with reg
Universal Banker
Dubai, UAE
ADIB - Abu Dhabi Islamic Bank seeks a Universal Banker for its Dubai Mall Branch to provide exceptional customer service and identify customer needs. The role combines helpdesk and customer relationship duties, including
Relationship Manager
Abu Dhabi, UAE
ADIB seeks a Relationship Manager to manage elite client relationships, drive growth in liabilities, FX, and fees, and ensure compliance with UAE central bank policies. The role requires 4+ years of banking experience, a
Product Manager
Abu Dhabi, UAE
ADIB - Abu Dhabi Islamic Bank is looking for a Product Manager to manage and develop liability products and grow the retail liabilities portfolio in Abu Dhabi. The role involves designing campaigns, monitoring product pe
Strategy Manager
Abu Dhabi, UAE
ADIB - Abu Dhabi Islamic Bank seeks a Strategy Manager to support the Head of Strategy with analysis, report preparation, and market research. The role involves conducting market research, preparing reports, analyzing bu
Head of Access Management Control
Abu Dhabi, UAE
ADIB is seeking a Head of Access Management Control to lead, govern, and continuously enhance the Access Management Control framework across the bank. The role involves driving robust Identity Access Management (IDAM) pr
Relationship Manager- Business Liabilities & Cash Management
Abu Dhabi, UAE
Universal Banker
Dubai, UAE
Operations Officer - Offshore Governance
Dubai, UAE
Universal Banker
Dubai, UAE
Relationship Manager
Abu Dhabi, UAE
Product Manager
Abu Dhabi, UAE
Strategy Manager
Abu Dhabi, UAE
Head of Access Management Control
Abu Dhabi, UAE