Credit Analyst
Posted on :
26-05-2025
Employer Active
1 Vacancy
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Job Description
Description
Role : Credit Analyst - Home Finance
Location : Sharjah
Role Purpose:
Provide full support to branches and DSUs 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 RiskRating.
- 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 applicants financial statements and comment on its findings (where required).
- Check customers 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 ADIBs products policies and procedures.
- Proactively and continually make and recommend system changes and enhancements alsoensure 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 REQUIERD:
- 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 in the daily underwriting activities
- Improve communication branches and DSUs 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 ADIBs 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 ADIBs Retail Banking credit products & services
- Broad knowledge of ADIBs Retail Credit & Operational Policies & Procedures
- Good Knowledge of UAE banking practices regulations & risks
- Good communication skills
- Good Computer Skills
- Detailing of the documents
- Strong command of Arabic & English language
Required Experience:
IC
Employment Type
Full Time
Key Skills
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