Credit Analyst

Role Overview

The Credit Analyst will be based in Sharjah, UAE and will support branches and DSU teams by reviewing and processing finance applications accurately, promptly, and in line with approved policies and procedures.

This opportunity is open to UAE Nationals only.

Key Responsibilities

• Review credit applications to confirm they are complete and submitted on time, and flag any missing or incorrect information for correction.
• Prepare credit documentation with a strong focus on accuracy and zero errors.
• Apply de-dupe checks carefully and consistently.
• Work within agreed turnaround times.
• Follow compliance requirements, policies, and acceptable risk rating standards.
• Examine bank statements to verify authenticity, continuity, business turnover patterns, cheque returns, average balances, and any signs of fabricated statements.
• Assess applicant financial statements and record findings where required.
• Verify customer status using de-dupes and CBRB checks.
• Meet the minimum daily targets set by management while keeping errors to a minimum, as tracked through the scorecard.
• Escalate cases that need a higher decisioning level, providing complete analysis and recommendations to support approval decisions.
• Maintain strong working knowledge of ADIB products, policies, and procedures.
• Suggest system improvements and process enhancements proactively, and ensure procedures and policies are being followed correctly.
• Contribute with a cooperative attitude and a positive team spirit.
• Take on any other duties assigned by ADIB management from time to time.

Expected Outcomes

• Help the business achieve monthly targets and budget goals while maintaining a high-quality portfolio.
• Support the acquisition of customers within approved parameters without breaching Central Bank regulations.
• Contribute effectively to daily underwriting work.
• Improve communication with branches and DSU teams, which act as internal customers.
• Provide clear, useful feedback and comments on proposed finance applications.
• Ensure compliance with policies, procedures, and operational controls in day-to-day work.

Skills and Technical Knowledge

• Strong credit analysis and financial assessment capability.
• At least 3 years of hands-on banking experience, preferably in finance and credit.
• Good understanding of ADIB retail banking credit products and services.
• Broad knowledge of ADIB retail credit and operational policies and procedures.
• Sound knowledge of UAE banking practices, rules, and risk considerations.
• Effective communication skills.
• Solid computer literacy.

Eligibility

This role is restricted to UAE Nationals.