Senior Credit Analyst Underwriter - Business Asset Finance

Transguard Workforce Solutions continues to lead the UAE market as a trusted partner for innovative and fully integrated HR services. With more than a decade of experience and a highly skilled team, we are proud to support organizations across the region with tailored workforce solutions. We are currently hiring a Senior Credit Analyst Underwriter - Business Asset Finance on behalf of a prestigious client, based in their Dubai office. Job Purpose: • The role of the Job Holder is to underwrite SME credit applications, with focus on Business Banking Asset Finance (BAF), Trade, Working Capital, and Secured Lending (Mortgage/LAP), in line with the BAF Credit Policy of the Bank. • The Job Holder will analyse, structure and recommend credit proposals, including trade and working capital facilities, and identify/handle deviations for escalation in accordance with the Bank’s delegation matrix. • The role is primarily focused on detailed credit analysis, validation, and preparation of credit recommendations, with limited involvement in structuring or independent decision-making. Job Responsibilities: • Underwrite SME credit proposals for standard and moderately complex cases, across business loans, trade & working capital, and secured lending • Underwrite SME credit proposals across business loans, trade & working capital, and secured lending • Analyse borrower financials to support assessment of cashflows, repayment capacity, leverage, and working capital cycles • Evaluate cash conversion cycle, receivable/payable ageing, and inventory turnover • Perform validation of financials and data using bank statements, AECB, audited financials, and scorecard inputs (MRA/Credit Lens, financial spreading) • Assess trade-linked exposures and perform basic validation of trade flows and supporting documentation (invoice/shipping/transport records) • Identify risk indicators, inconsistencies, and potential fraud signals • Provide analytical support and recommendations, with escalation of cases for review and approval by higher authorities • Prepare structured credit notes with clear recommendations • Ensure quality and accuracy of underwriting in adherence to credit policies • Maintain productivity standards and TAT/SLA compliance • Initiate field visits/valuations where required to validate business operations and/or collateral. • Ensure completion of cases within prescribed TAT and full adherence to SLA with Business Group. • Provide timely responses to queries from Business/Branches and seek clarifications to ensure completeness of proposals. • Adhere to all Operational Risk Guidelines and credit policies governing underwriting • Ensure compliance with processes and documentation requirements in all cases handled • Support closure of audit observations within defined timelines. Skills : • Minimum of a Bachelor’s Degree • Strong working knowledge of business software applications, particularly spreadsheets. • Exposure to SME credit, trade, or working capital assessment desirable. • 4–6 years of SME underwriting experience, including exposure to business loans, trade/working capital facilities, and secured lending (Mortgage/LAP) • Written and spoken English – Arabic preferred • Good understanding of banking operations, Bank policies, procedures, guidelines, statutory requirements, market conditions. • Hands-on experience in: • Financial analysis • Cashflow assessment • Basic understanding of trade cycles and SME business models

Minimum of a Bachelor’s Degree; 4–6 years of SME underwriting experience, including exposure to business loans, trade/working capital facilities, and secured lending (Mortgage/LAP); Written and spoken English – Arabic preferred; Good understanding of banking operations, Bank policies, procedures, guidelines, statutory requirements, market conditions; Hands-on experience in Financial analysis; Cashflow assessment; Basic understanding of trade cycles and SME business models.

Underwrite SME credit proposals for standard and moderately complex cases, across business loans, trade & working capital, and secured lending; Underwrite SME credit proposals across business loans, trade & working capital, and secured lending; Analyse borrower financials to support assessment of cashflows, repayment capacity, leverage, and working capital cycles; Evaluate cash conversion cycle, receivable/payable ageing, and inventory turnover; Perform validation of financials and data using bank statements, AECB, audited financials, and scorecard inputs (MRA/Credit Lens, financial spreading); Assess trade-linked exposures and perform basic validation of trade flows and supporting documentation (invoice/shipping/transport records); Identify risk indicators, inconsistencies, and potential fraud signals; Provide analytical support and recommendations, with escalation of cases for review and approval by higher authorities; Prepare structured credit notes with clear recommendations; Ensure quality and accuracy of underwriting in adherence to credit policies; Maintain productivity standards and TAT/SLA compliance; Initiate field visits/valuations where required to validate business operations and/or collateral; Ensure completion of cases within prescribed TAT and full adherence to SLA with Business Group; Provide timely responses to queries from Business/Branches and seek clarifications to ensure completeness of proposals; Adhere to all Operational Risk Guidelines and credit policies governing underwriting; Ensure compliance with processes and documentation requirements in all cases handled; Support closure of audit observations within defined timelines.