Overview
Analyst, Credit Part time – Emiratized Jobs in Al Ain, UAE at First Abu Dhabi Bank (FAB)
Position: Analyst, Credit Part time) – Emiratized Role
Analyst, Credit – Al Ain (Part time) – Emiratized Role
Part-time
Division:
Group Credit
Join the UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career.
Be ready to make your mark at a top company, in an exciting & dynamic industry.
KEY ACCOUNTABILITIES:
Review, analyse and prepare credit memos with all customer details. Initiate field visits for customers who are eligible for loans after initial analysis.
Recommend and prepare loan proposals while adhering to policies, procedures, and standard operating procedures.
Comply with departmental policies, processes, and practices to ensure smooth and methodical work.
Exhibit consistency with the organisation’s values and ethics to demonstrate a value-driven culture within the bank.
Contribute towards continuous improvement and sustainability of systems, processes, and methods to efficiently carry out duties.
Job Context:
Analyse clients’ financial statements – bank statements and/or audited financial statements, and investigate the client’s credit history/credit reports to meet the bank’s lending standards.
Possess thorough in-depth knowledge of financials – including verifying figures, cash flow data, and income statements. Analyse different ratios and present financial analysis to the delegated authority.
Ensure completeness and correctness of documentation to avoid fraud.
Conduct in-depth analysis of all loan-related financial ratios like turnover ratios and debt service coverage ratios to ensure error-free underwriting and that the proposed loan amount aligns with bank policy.
Review and analyse restructure requests from existing loan customers and recommend restructuring in line with bank policy.
Review deferral/waiver requests from existing customers and recommend actions considering the credit risk involved.
Process loan applications and service requests efficiently and within agreed timelines.
Verify checks through various FAB application systems such as OBIEE, Vision Plus, Globus, Intellect, Customer Connect, and external systems like AECB, Central Bank checks (CBRB & CRS), and Firco.
Work under pressure without compromising quality.
Ensure that all approved loans and proposal-related documents are complete and shared in a common folder to safeguard against missing or misplaced documents.
Perform any additional job-related tasks/projects as assigned by the Line Manager.
Qualification:
Minimum
Education required:
Minimum bachelor’s degree preferably in Finance/Banking/Commerce.
Title: Analyst, Credit Part time – Emiratized
Company: First Abu Dhabi Bank (FAB)
Location: Al Ain, UAE
Category: Finance & Banking (Risk Manager/Analyst, Financial Analyst, Banking & Finance)
