Credit Analyst

Job description / Role

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 of the role

• Examine credit applications for completeness and timeliness of information, noting exceptions for correction.
• Prepare error-free credit documents.
• Exercise vigilance in applying duplicate checks.
• Observe agreed turnaround times.
• Ensure compliance with policies and satisfactory risk rating.
• Analyze bank statements to assess genuineness, continuity, business turnovers, cheque returns, average balances, and detect any artificial fabrication.
• Analyze applicant's financial statements and comment on findings where required.
• Check customer's status through duplicate checks and CBRB.
• Meet the minimum daily targets assigned by management while maintaining the lowest level of errors as measured by the scorecard.
• Escalate cases requiring higher decision power with full analysis and recommendations to facilitate decision making.
• Demonstrate full and up-to-date knowledge of ADIB's products, policies, and procedures.
• Proactively and continually recommend system changes and enhancements; ensure that all procedures and policies are implemented and followed in compliance with the organization.
• Demonstrate full team spirit and a positive attitude.
• Perform any other responsibilities entrusted by ADIB management from time to time and any other tasks assigned by management.

Results required

• Support business in achieving monthly budget and targets while maintaining the highest quality portfolio.
• Provide additional support to business in capturing customers within acceptable parameters without violating CB regulations.
• Contribute positively to daily underwriting activities.
• Improve communication with branches and DSUs as internal customers.
• Provide constructive comments and feedback on proposed finance applications.
• Ensure compliance with policies and procedures; comply with and perform key operational controls as required in ADIB's policies and 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 and credit field.
• Detailed knowledge of ADIB's retail banking credit products and services.
• Broad knowledge of ADIB's retail credit and operational policies and procedures.
• Good knowledge of UAE banking practices, regulations, and risks.
• Good communication skills.
• Good computer skills.
• Attention to detail in documentation.
• Strong command of Arabic and English languages.