Retail Credit Analyst, Sharjah

Careers for a Changing World of Islamic Banking.Retail Credit Analyst Posted On: 23 Feb, 2024 Type: Permanent Job Category: Retail Credit Responsibilities:Analyze customer financial information and assess individual risk, responsible for handling routine credit proposals and making consistent, high-quality underwriting decisions that align with credit policy guidelines. Their main focus is to ensure risk-free credit decisions while meeting processing turnaround time targets. KEY ACCOUNTABILITIES: Internal Customer Service Support:Maintain effective communication with colleagues and immediate supervisor regarding related issues.Provide competent, problem-free, and timely service to both internal and external customers.Act as a backup for the Retail Credit Coordinator.Accuracy & Timeliness:Ensure high work quality with minimal errors.Make timely and quality credit decisions to meet processing turnaround time targets.Identify and report any fraudulent, forged documents, incorrect information, or suspicious activities for further investigation.Maintain a good quality analysis process and handle proposals in a timely manner.Complete all assigned duties and tasks from the Unit Supervisor.Policy, Processes and Procedures:Evaluate retail facility applications according to credit policy guidelines.Strictly adhere to credit approval processes and procedures.Interact with department colleagues to identify and initiate process improvements.Ensure all applications pass verification processes and procedures.Maintain strict confidentiality of all accounts, bank products, and policies.Adhere to the bank's retail credit policies, processes, and procedures.Enhance product knowledge and awareness.Team Work Support:Coordinate with associates within the department or other departments/branches to foster a high level of teamwork and deliver quality service to internal customers within the committed turnaround time.Support the department in handling additional activities.Provide regular feedback to the Unit Supervisor and share future plans. KEY SKILLS: Strong communication and written language skills in Arabic and English.Knowledge of credit review/analysis skill concepts (preferably).Knowledge of Accounting & Financial Management.Good PC/MS Office skills.Good team player.Experience: 1 - 2 Years.University degree in Finance, Accounting, or Analytics. Language Skills: Strong in both oral and written: Arabic & English.

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