Requirements
The role requires a minimum of 3 years of practical banking experience, preferably in the finance and credit field. Detailed knowledge of ADIB's Retail Banking credit products & services, broad knowledge of ADIB's Retail Credit & Operational Policies & Procedures, and good knowledge of UAE banking practices, regulations & risks are essential. Strong credit and analytical skills, good communication skills, and good computer skills are also required.
Description
JOB DESCRIPTIONRole: Credit AnalystLocation: Al Ain, UAERole purpose:Provide full support to branches and DSU's by reviewing and processing proposed finance applications in a timely fashion and within approved policesThis position is for UAE Nationals only.Key accountabilities of the role:Examining credit Application for completeness and timeliness of information, noting exceptions for correction.Preparation of error free credit docsVigilance in applying de-dupesObserving agreed TAT.Compliance policies and satisfactory RiskRating.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 makingDemonstrate full and up to date knowledge of ADIB's products, policies and procedures.Proactively and continually make and recommend system changes and enhancements, alsoensure 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 ManagementResults required:Support business in achieving monthly budget & targets while maintaining highest quality portfolioAdditional support to business in capturing customers within the acceptable parameters without violating CB regulations.Contribute positively to the daily underwriting activitiesImprove communication branches and DSU's as being internal customersProvide constructive comments and feedback on proposed finance applicationsCompliance 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 knowledgeMinimum 3 years of practical banking experience preferably in the finance & credit fieldDetailed knowledge of ADIB's Retail Banking credit products & servicesBroad knowledge of ADIB's Retail Credit & Operational Policies & ProceduresGood Knowledge of UAE banking practices, regulations & risksGood communication skillsGood Computer SkillsThis position is for UAE Nationals only.