Credit Analyst

Description Role : Credit Analyst - Home Finance Location : Sharjah Role Purpose: Provide full support to branches and DSUs by reviewing and processing proposed finance applications in a timely manner and within approved policies.Key Accountabilities of the role Examining credit applications for completeness and timeliness of information, noting exceptions for correction.Preparation of error-free credit documents.Vigilance in applying de-dupes.Observing agreed TAT.Ensuring compliance policies and satisfactory Risk Rating.Analyze bank statements to assess genuineness, continuity of business turnovers, cheque returns, average balances, and observe any artificial fabrication.Analyze applicants' financial statements and comment on findings where required.Check customers' status through de-dupes/CBRB.Meet minimum daily targets assigned by management while maintaining low error rates as measured by the scorecard.Escalate cases requiring higher DPs with full analysis and recommendations to facilitate decision-making.Demonstrate full and up-to-date knowledge of ADIB's products, policies, and procedures.Proactively recommend system changes and ensure all procedures and policies are implemented and followed in compliance with the organization.Demonstrate team spirit and a positive attitude.Perform any other responsibilities entrusted by ADIB Management and any other tasks assigned.Results Required Support business in achieving monthly targets while maintaining a high-quality portfolio.Assist 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 feedback on proposed finance applications.Ensure compliance with policies & procedures and perform key operational controls as per ADIB's policies.Specialist Skills / Technical Knowledge Required Good credit and analytical skills and knowledge.Minimum 3 years of practical banking experience, preferably in finance & credit.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.Attention to detail in document processing.Strong command of Arabic & English languages.Required Experience: IC #J-18808-Ljbffr