Credit Analyst

Abu Dhabi Islamic Bank
Al Ain
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 3+ yearsSkills: ["Analytical skills","Communication skills","Team spirit","Risk awareness","Attention to detail"]

Review and process proposed finance applications for branch and DSU teams, ensuring completeness, timeliness, and error-free credit documentation. Conduct credit analysis including bank statement genuineness, financial statement review, and customer status checks while maintaining de-dupe controls and agreed TAT. Ensure compliance with ADIB policies and risk rating, support underwriting targets, and escalate higher-DP cases with recommendations. Improve internal processes and systems continuously.

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Abu Dhabi Islamic Bank
Abu Dhabi Islamic Bank
21 hours ago

Credit Analyst

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Source: Company careers pageValidated by: Fursa AI
Last checked: 5 hours agoStatus: Live

Job Summary

Review and process proposed finance applications for branch and DSU teams, ensuring completeness, timeliness, and error-free credit documentation. Conduct credit analysis including bank statement genuineness, financial statement review, and customer status checks while maintaining de-dupe controls and agreed TAT. Ensure compliance with ADIB policies and risk rating, support underwriting targets, and escalate higher-DP cases with recommendations. Improve internal processes and systems continuously.
Location: Al Ain
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit

Key Responsibilities

  • •Review credit applications for completeness and timeliness, noting exceptions for correction and preparing error-free credit documents.
  • •Perform vigilance controls including de-dupes and observe agreed TAT while meeting daily targets with the lowest error rate.
  • •Analyze bank statements and financial statements to assess genuineness, continuity, turnovers, cheque returns, average balances, and potential fabrication.
  • •Check customer status through de-dupes/CBRB and assess credit-related information as needed for underwriting.
  • •Escalate cases requiring higher DP with full analysis and recommendations; maintain compliance with ADIB policies and support system improvements.

Key Requirements

  • •3+ years of practical banking experience, preferably in finance and credit.
  • •Good credit and analytical skills, including knowledge of credit application review and documentation.
  • •Detailed knowledge of ADIB retail banking credit products and services.
  • •Broad knowledge of ADIB retail credit and operational policies and procedures.
  • •Good knowledge of UAE banking practices, regulations, and risks.
Experience:3+ yearsBankingFinanceCreditRetail banking
Skills:Analytical skillsCommunication skillsTeam spiritRisk awarenessAttention to detail
Languages:US
Tech Stack:Computer skills

Eligibility

Nationality:UAE National

Company Brief

Abu Dhabi Islamic Bank
Abu Dhabi Islamic Bank (ADIB) is a public Islamic bank providing retail, corporate, wealth and investment banking services across the UAE and international markets, offering Sharia-compliant financial products and digital banking solutions.
Industry: Banking
Company Size: Enterprise (1,001+ employees)
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Abu Dhabi, United Arab Emirates
Founded: 1997
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