Specialist, Personal Banking Credit - Credit
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Key skills for this role
About the Role
United Arab Bank seeks a Retail Mortgage Credit Analyst to assess mortgage loan applications, evaluate creditworthiness, and ensure compliance with credit policies. The role requires analyzing financial information, calculating credit metrics, and making sound credit recommendations.
Key Skills for This Role
Responsibilities
- Review and analyze mortgage loan applications for salaried and self employed customers
- Assess customers' income, employment stability, debt burden, affordability, and repayment capacity
- Calculate Debt Burden Ratio (DBR), Loan to Value (LTV), and other key credit metrics
- Verify customer information through supporting documents, credit bureau reports, bank statements, and employer checks
- Analyze financial statements and business performance for self employed applicants
- Evaluate overall credit risk of mortgage applicants and identify potential risks and mitigating factors
- Assess collateral quality, property valuation reports, and legal documentation
- Recommend appropriate loan structure, tenor, pricing, and conditions
- Prepare comprehensive credit assessment reports and recommendations
- Approve applications within delegated authority limits or recommend approval/rejection to higher authorities
- Ensure compliance with internal credit policies, regulatory guidelines, and lending standards
- Work closely with Sales, Relationship Managers, Operations, Credit Admin and Real Estate Department
Requirements
- Bachelor’s degree in finance, accounting or a related field
- 3 years’ experience in retail credit underwriting
- Effective communication skills in English and Arabic
Full Job Posting
Job Purpose
- The Retail Mortgage Credit Analyst is responsible for assessing and evaluating mortgage loan applications from individual customers to determine creditworthiness and repayment capacity.
- The role involves analysing financial and non financial information, conducting risk assessments, ensuring compliance with the bank's credit policies and regulatory requirements, and making sound credit recommendations.
Principal Accountabilities
- Review and analyze mortgage loan applications for salaried and self employed customers.
- Assess customers' income, employment stability, debt burden, affordability, and repayment capacity.
- Calculate Debt Burden Ratio (DBR), Loan to Value (LTV), and other key credit metrics.
- Verify customer information through supporting documents, credit bureau reports, bank statements, and employer checks.
- Analyze financial statements and business performance for self employed applicants.
- Evaluate the overall credit risk of mortgage applicants.
- Identify potential risks, red flags, and mitigating factors.
- Assess collateral quality, property valuation reports, and legal documentation.
- Recommend appropriate loan structure, tenor, pricing, and conditions.
- Prepare comprehensive credit assessment reports and recommendations.
- Approve applications within delegated authority limits or recommend approval/rejection to higher approval authorities.
- Ensure consistency and quality of underwriting decisions.
Job Requirements (Qualification/Experience)
- Bachelor’s degree in finance, accounting or a related field
- 3 years’ experience in retail credit underwriting
- Effective communication skills in English and Arabic
- Please note that this hiring will be on a second party contract
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