Senior Credit Analyst

Role: Senior Credit Analyst Location: Dubai Role purpose: The role includes review / analyzing customers Credit Applications, Availments and SFCAs. Check documents and genuineness of financial statements, conduct financial and non-financial analysis for Credit Proposals in accordance with bank policies and recommend the financing package that meets customer requirements/ capabilities. Key accountabilities of the role: Responsibilities: To review credit applications of companies with a and ensure that it is in-consistent with credit programs, TM RAC, bank policy, central bank law & regulations. Contribute to achieving the department objectives, goals & policies. Reviewing the credit proposals and recommending the proposals to the higher authorities. Highlight risk factors & mitigation, in each credit application Collaborate with the RM to make sure receiving complete set of documents required for review / analyses of the credit application. Verify genuineness of customers’ financials. & Perform financials analysis. Conducting Independent checks of the customer’s business operations, inventory levels, reputation and business model through conducting a site visit. These checks are to be carried out by conducting interviews with the customers’ buyers and sellers, neighbors and field visits to business sites. Adhere to KPls of application processing and required targets. Prepare/ review TM & RAC factors & MRA input. Maintain contact with all Business Units in the Bank to ensure high levels of Business units’ satisfaction Conduct any other assignments assigned by the Line Manager Results required: 90% of cases to be finalized within the agreed TAT To process cases/transactions as allocated Ensure no regulatory issue for cases reviewed To attend and pass training courses as prescribed Help in maintaining satisfactory internal and external audit ratings Specialist skills / technical knowledge required for this role: Good understanding of business, finance, economics, and current affairs Analytical Thinking & Business Oriented approach Strong interpersonal and communication skills, both verbal and written. Initiative, analytical & risk evaluation / mitigation English Language/ Arabic is plus. Previous experience requirement: Minimum 7 years’ experience in SME/ Commercial Business and Banking

Minimum 7 years’ experience in SME/ Commercial Business and Banking

To review credit applications of companies with a and ensure that it is in-consistent with credit programs, TM RAC, bank policy, central bank law & regulations. Contribute to achieving the department objectives, goals & policies. Reviewing the credit proposals and recommending the proposals to the higher authorities. Highlight risk factors & mitigation, in each credit application Collaborate with the RM to make sure receiving complete set of documents required for review / analyses of the credit application. Verify genuineness of customers’ financials. & Perform financials analysis. Conducting Independent checks of the customer’s business operations, inventory levels, reputation and business model through conducting a site visit. These checks are to be carried out by conducting interviews with the customers’ buyers and sellers, neighbors and field visits to business sites. Adhere to KPls of application processing and required targets. Prepare/ review TM & RAC factors & MRA input. Maintain contact with all Business Units in the Bank to ensure high levels of Business units’ satisfaction Conduct any other assignments assigned by the Line Manager