Job Description

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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

Skills Required