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Credit Analyst

Talentmate

United Arab Emirates

23rd October 2025

2510-4850-57

Job Description

Role       : Credit Analyst - Home Finance
Location : Sharjah

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.

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 REQUIERD:

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 in 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

Detailing of the documents

Strong command of Arabic & English language

Job Details

Role Level:	Not Applicable	Work Type:	Full-Time
Country:	United Arab Emirates	City:	Sharjah
Company Website:	http://www.adib.ae	Job Function:	Sales
Company Industry/ Sector:	Banking

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