Credit Analyst - Financial Institutions

Credit Analyst - Financial Institutions Direct message the job poster from UBL UAE UBL UAE is seeking for a highly analytical and detail-oriented professional to join our Financial Institutions team as Credit Analyst. The ideal candidate will be responsible for evaluating the creditworthiness of banks, non-banking financial companies (NBFCs), and insurance firms. This role requires a solid understanding of financial analysis, regulatory frameworks, and market dynamics impacting financial institutions. Key Responsibilities Conduct in-depth credit assessments of counterparties including banks, NBFCs, and insurance firms using financial, regulatory, and qualitative criteria. Prepare comprehensive credit proposals, assign internal risk ratings, and recommend appropriate exposure limits. Evaluate entity-level risks including capital adequacy, asset quality, funding and liquidity profiles, earnings stability, and management quality. Continuously monitor the credit portfolio for early warning signals, deteriorating credit metrics, and industry developments. Ensure periodic credit reviews are completed in line with internal policies and regulatory guidelines (e.g., Basel norms). Track macroeconomic, regulatory, and sectoral developments affecting portfolio counterparties. Credit Support & Stakeholder Coordination Work closely with Relationship Managers (RMs) to support deal structuring, credit analysis, and approval processes. Present credit assessments and recommendations to Credit Committees. Ensure effective alignment of risk appetite with business objectives and transaction structures. Develop and maintain relationships with senior stakeholders across financial institutions. Stay abreast of market trends, regulatory changes, monetary policies, and liquidity movements to proactively assess risks and opportunities. Demonstrate strong knowledge of FI-specific products such as: Trade Finance Syndicated Lending Custody Services Liquidity Management Solutions Provide input on product structuring and tailor credit solutions that balance client needs with the bank’s risk appetite. Key Requirements Bachelor's/Master’s degree in Finance, Economics, Accounting, or related field; CFA/FRM qualifications are a plus. 4–6 years of relevant experience in credit analysis or risk management within a bank or financial institution. In-depth knowledge of regulatory and rating frameworks. Excellent written and verbal communication skills for effective report writing and presentations. Strong stakeholder management and collaboration skills. Analytical mindset with the ability to manage multiple priorities in a fast-paced environment. Strong financial statement analysis and credit modelling skills. Seniority level Associate Employment type Full-time Job function Analyst and Finance Industries Banking and Financial Services #J-18808-Ljbffr