Credit Analyst

ADIB - Abu Dhabi Islamic Bank


Date: 2 weeks ago
City: Sharjah
Contract type: Full time


Role: Credit Analyst
 Location: Sharjah, UAE

 Role purpose:

Provide full support to branches and DSU’s by reviewing and processing proposed finance applications in a timely fashion and within approved polices

This position is for UAE Nationals only.
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 Risk Rating.
  • 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 applicant’s financial statements and comment on its findings (where required).
  • Check customer’s 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 ADIB’s products, policies and procedures.
  • Proactively and continually make and recommend system changes and enhancements, also ensure 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 required:
    • 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 to the daily underwriting activities
    • Improve communication branches and DSU’s 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 ADIB’s 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 ADIB’s Retail Banking credit products & services
    • Broad knowledge of ADIB’s Retail Credit & Operational Policies & Procedures
    • Good Knowledge of UAE banking practices, regulations & risks
    • Good communication skills
    • Good Computer Skills


    This position is for UAE Nationals only.

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