Senior Credit Analyst Underwriter - Business Asset Finance
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Key skills for this role
About the Role
Transguard Workforce Solutions is hiring a Senior Credit Analyst Underwriter for Business Asset Finance on behalf of a prestigious client in Dubai.
Key Skills for This Role
Responsibilities
- Underwrite SME credit proposals for standard and moderately complex cases, across business loans, trade & working capital, and secured lending
- Analyse borrower financials to support assessment of cashflows, repayment capacity, leverage, and working capital cycles
- Evaluate cash conversion cycle, receivable/payable ageing, and inventory turnover
- Perform validation of financials and data using bank statements, AECB, audited financials, and scorecard inputs
- Assess trade linked exposures and perform basic validation of trade flows and supporting documentation
- Identify risk indicators, inconsistencies, and potential fraud signals
- Provide analytical support and recommendations, with escalation of cases for review and approval by higher authorities
- Prepare structured credit notes with clear recommendations
- Ensure quality and accuracy of underwriting in adherence to credit policies
- Maintain productivity standards and TAT/SLA compliance
- Initiate field visits/valuations where required to validate business operations and/or collateral
- Adhere to all Operational Risk Guidelines and credit policies governing underwriting
Requirements
- Minimum of a Bachelor’s Degree
- 4–6 years of SME underwriting experience, including exposure to business loans, trade/working capital facilities, and secured lending (Mortgage/LAP)
- Strong working knowledge of business software applications, particularly spreadsheets
- Hands on experience in financial analysis, cashflow assessment, and basic understanding of trade cycles and SME business models
- Written and spoken English – Arabic preferred
- Good understanding of banking operations, policies, procedures, guidelines, statutory requirements, market conditions
Full Job Posting
Job Purpose
- The role of the Job Holder is to underwrite SME credit applications, with focus on Business Banking Asset Finance (BAF), Trade, Working Capital, and Secured Lending (Mortgage/LAP), in line with the BAF Credit Policy of the Bank.
- The Job Holder will analyse, structure and recommend credit proposals, including trade and working capital facilities, and identify/handle deviations for escalation in accordance with the Bank’s delegation matrix.
- The role is primarily focused on detailed credit analysis, validation, and preparation of credit recommendations, with limited involvement in structuring or independent decision making.
Job Responsibilities
- Underwrite SME credit proposals for standard and moderately complex cases, across business loans, trade & working capital, and secured lending
- Underwrite SME credit proposals across business loans, trade & working capital, and secured lending
- Analyse borrower financials to support assessment of cashflows, repayment capacity, leverage, and working capital cycles
- Evaluate cash conversion cycle, receivable/payable ageing, and inventory turnover
- Perform validation of financials and data using bank statements, AECB, audited financials, and scorecard inputs (MRA/Credit Lens, financial spreading)
- Assess trade linked exposures and perform basic validation of trade flows and supporting documentation (invoice/shipping/transport records)
- Identify risk indicators, inconsistencies, and potential fraud signals
- Provide analytical support and recommendations, with escalation of cases for review and approval by higher authorities
- Prepare structured credit notes with clear recommendations
- Ensure quality and accuracy of underwriting in adherence to credit policies
- Maintain productivity standards and TAT/SLA compliance
- Initiate field visits/valuations where required to validate business operations and/or collateral.
Skills
- Minimum of a Bachelor’s Degree
- Strong working knowledge of business software applications, particularly spreadsheets.
- Exposure to SME credit, trade, or working capital assessment desirable.
- 4–6 years of SME underwriting experience, including exposure to business loans, trade/working capital facilities, and secured lending (Mortgage/LAP)
- Written and spoken English – Arabic preferred
- Good understanding of banking operations, Bank policies, procedures, guidelines, statutory requirements, market conditions.
- Hands on experience in: Financial analysis, Cashflow assessment, Basic understanding of trade cycles and SME business models
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