Job Description

Job Title: Credit Analyst - Corporate Banking
Salary Budget : AED 20K per month , Visa and Medical insurance
Organizational Unit Purpose
The Credit Unit exists to enhance the customer experience by efficiently managing credit requests while ensuring optimal capital utilization. It plays a vital role in maximizing returns and managing risk within the bank's defined acceptance criteria, directly contributing to the bank's strategic goals of sustainable growth and profitability.
Job Purpose
The Credit Analyst supports business growth by enabling the generation of maximum yield within the bank's risk appetite and client selection framework. The role ensures that customer needs are met through timely and accurate credit assessments, risk pricing, documentation, and fee collection-ultimately driving increased wallet share and client satisfaction.
Key Responsibilities
1. Credit Proposal Preparation
The Credit Analyst collaborates closely with Relationship Managers (RMs) to structure credit facilities that align with both client needs and the bank's risk appetite. This includes proposing facility structures, covenants, and conditions; assessing client risk profiles; completing Facility Applications in approval systems; advising on capital optimization strategies; preparing credit summaries; and calculating risk grades using internal models. The analyst may also attend client meetings and liaise with Credit for approvals and issue resolution. Regular participation in meetings with RMs and Credit teams is expected.
2. Risk Management
The role involves assisting RMs in the ongoing monitoring of client accounts, testing financial covenants and triggers (especially for watch-listed clients), and reviewing exception reports to ensure minimal risk exposure.
3. Credit File Maintenance
The analyst is responsible for maintaining accurate and up-to-date credit files. This includes ensuring that all approvals taken outside of credit systems are promptly recorded and escalating any accounts showing signs of deterioration to the Early Alert Review (EAR) forum.
4. Customer Service
Providing top-tier customer service is essential. The analyst coordinates with internal teams such as Coverage, GCD, and CRAD to resolve client queries and process requests efficiently, ensuring quick turnaround times and a complaint-free experience.
Required Knowledge, Skills, and Experience

• Job Knowledge: Strong understanding of credit analysis, trade finance products, and banking operations.
• Technical and Professional Skills: Proficiency in financial statement analysis, credit structuring, and risk assessment. A professional qualification in finance or accounting is preferred.
• Managerial and Leadership Skills: Ability to manage portfolios and coordinate effectively with other departments.
• Behavioral Attributes: A positive, customer-focused attitude with strong interpersonal and communication skills.
• Experience: At least 2 years of experience in credit analysis, ideally with exposure to large corporates or investment banking transactions.
• Education: A bachelor's degree in Finance or Accounting is required. Professional certifications such as CPA, PRM, or FRM are highly desirable.