Credit Analyst

The Role

The financial services firm is hiring a Senior Credit Analyst based on-site in the United Arab Emirates. The role sits within the Credit function and covers Business Banking credit assessment, credit operations, risk controls, and stakeholder coordination.

Key Responsibilities

Credit Assessment & Decisioning

• Review and evaluate Business Banking credit applications in line with approved credit policies and guidelines.
• Conduct credit checks, documentation reviews, and system validations before recommending or issuing decisions.
• Process approvals, declines, and rejections within the relevant credit systems.
• Ensure all decisions are supported by accurate analysis and complete documentation.
  
  

Credit Operations & Administration

• Process credit-related activities accurately and within agreed turnaround times.
• Issue Letters of Undertaking (LOU), Local Purchase Orders (LPO), and related documentation following approval.
• Support ongoing credit administration and portfolio maintenance activities.
• Assist in the preparation and maintenance of management information and reporting.
  
  

Risk Management & Controls

• Perform periodic control checks and identify discrepancies or process gaps.
• Escalate irregularities, incidents, or potential risks in a timely manner.
• Ensure compliance with internal procedures, operating guidelines, and regulatory requirements.
• Contribute to maintaining a strong control environment across the Credit function.
  
  

Stakeholder Management

• Collaborate with Business Banking, Sales, Credit Operations, and other internal stakeholders.
• Communicate on application status, documentation requirements, and operational matters.
• Support internal customers while maintaining service quality and turnaround standards.
  
  

Process Improvement

• Identify opportunities to improve credit processes, controls, and operational efficiency.
• Recommend enhancements that improve customer service while maintaining risk discipline.
• Participate in departmental initiatives and continuous improvement programmes.
• Support the implementation of new procedures and best practices.
  
  

Skills & Experience

• Bachelor's degree in Finance, Business, Banking, Economics, or a related discipline.
• Minimum 2 years of experience within banking or financial services.
• Experience in credit operations, credit assessment, lending operations, or a related function.
• Understanding of retail and/or business banking credit processes.
• Knowledge of credit policies, documentation requirements, and lending processes.
• Familiarity with banking systems and credit workflows.
• Understanding of regulatory and compliance requirements within the banking sector.
• Strong attention to detail with the ability to process transactions and reviews accurately.
• Solutions-oriented with strong analytical capabilities.
• Ability to collaborate effectively across multiple functions.
  
  

Compensation & Benefits

• Competitive, performance-linked compensation.
• Medical coverage for the employee and their family.
• Comprehensive life insurance.
• Exposure to a broad range of Business Banking credit products.
  
  

About Senna

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