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Assistant Credit Analyst

0.00 to 2.00 Years   United Arab Emirates   09 Nov, 2023
Abu Dhabi Islamic Bank
Job LocationUnited Arab Emirates
EducationNot Mentioned
SalaryNot Mentioned
IndustryBanking / Accounting / Financial Services
Functional AreaNot Mentioned

Job Description

JOB DESCRIPTIONRole : Assistant Credit AnalystLocation : SharjahRole Purpose:Provide full support to branches and DSUs by reviewing and processing proposed finance applications in a timely fashion and within approved polices.Key Accountabilities of the role

  1. 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 RiskRating.
2. 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.3. Analyze applicants financial statements and comment on its findings (where required).4. Check customers status through de-dupes/CBRB.5. Meeting the minimum daily targets assigned by management while maintaining the lowest level of errors as measured by the score card.6. Escalate cases requiring higher DP with full analysis and recommendations to facilitate their decision making7. Demonstrate full and up to date knowledge of ADIBs products, policies and procedures.8. 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.9. Demonstrate full team spirit and positive attitude.10. Perform any other responsibilities entrusted by ADIB Management from time to time and any other task assigned by Management.RESULTS REQUIERD:
  1. Support business in achieving monthly budget & targets while maintaining highest quality portfolio
  2. Additional support to business in capturing customers within the acceptable parameters without violating CB regulations.
  3. Contribute positively in the daily underwriting activities
  4. Improve communication branches and DSUs as being internal customers
  5. Provide constructive comments and feedback on proposed finance applications
  6. Compliance of policies & procedures - Comply and perform Key operational controls as required in ADIBs polices & procedures in day to day operations.
Specialist Skills / Technical Knowledge Required for this role:
  1. Good credit and analytical skills and knowledge
  2. Detailed knowledge of ADIBs Retail Banking credit products & services
  3. Broad knowledge of ADIBs Retail Credit & Operational Policies & Procedures
  4. Good Knowledge of UAE banking practices, regulations & risks
  5. Good communication skills
  6. Good Computer Skills
  7. Detailing of the documents
  8. Strong command of Arabic & English language

Keyskills :
English Arabic analytical Computer Procedures Policies communication Knowledge Credit

About Company

Abu Dhabi Islamic Bank PJSC (Arabic: مصرف أبوظبي الإسلامي) is an Islamic bank based in Abu Dhabi city, in the United Arab Emirates.

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