Role: Senior Credit Analyst
Location: Dubai
Role purpose
The role includes review / analyzing customers Credit Applications, Availments and SFCAs.
Check documents and genuineness of financial statements, conduct financial and non-financial analysis for Credit Proposals in accordance with bank policies and recommend the financing package that meets customer requirements/ capabilities.
Key accountabilities of the role
Responsibilities
- To review credit applications of companies with a and ensure that it is in-consistent with credit programs, TM RAC, bank policy, central bank law & regulations.
- Contribute to achieving the department objectives, goals & policies.
- Reviewing the credit proposals and recommending the proposals to the higher authorities.
- Highlight risk factors & mitigation, in each credit application
- Collaborate with the RM to make sure receiving complete set of documents required for review / analyses of the credit application.
- Verify genuineness of customers’ financials. & Perform financials analysis.
- Conducting Independent checks of the customer’s business operations, inventory levels, reputation and business model through conducting a site visit.
- These checks are to be carried out by conducting interviews with the customers’ buyers and sellers, neighbors and field visits to business sites.
- Adhere to KPls of application processing and required targets.
- Prepare/ review TM & RAC factors & MRA input.
- Maintain contact with all Business Units in the Bank to ensure high levels of Business units’ satisfaction
- Conduct any other assignments assigned by the Line Manager
Results required
- 90% of cases to be finalized within the agreed TAT
- To process cases/transactions as allocated
- Ensure no regulatory issue for cases reviewed
- To attend and pass training courses as prescribed
- Help in maintaining satisfactory internal and external audit ratings
Specialist skills / technical knowledge required for this role
- Good understanding of business, finance, economics, and current affairs
- Analytical Thinking & Business Oriented approach
- Strong interpersonal and communication skills, both verbal and written.
- Initiative, analytical & risk evaluation / mitigation
- English Language/ Arabic is plus.
Previous experience requirement
Minimum 7 years’ experience in SME/ Commercial Business and Banking
Job description provided by Abu Dhabi Islamic Bank.
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