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Job Description and Requirements

Purpose of the role is to thoroughly analyse documentations, financial analysis, management, industry analysis and ensures accuracy in analysis/ TAT.


  • Process all credit proposals excel Targets and assist in analysing credit proposals as and when required.
  • Checking internally generated documents such as CBRB, CRS, BBL etc prior to elevation of CP.
  • Handling disputed accounts and negotiate with clients to bring payment in line with terms
  • Analysis of business model, Structure of company, how it operates, what are the key success factors comparing it with industry norms in wake of micro and macro-economic factors.
  • Coordinating with sales team for deficiencies in documentation and pre screeners for initiating new entry.
  • Portfolio management of existing Ijara cases, looking after internal reviews & repayments and submitting internal memos.
  • Managing a set of assigned portfolio and corporate, individual and HNI accounts and performing annual reviews of the same.
  • Monitoring credit trends in portfolios and reporting observations to the Department Head and Managers.
  • Developing independent assessments of the appropriate risk rating for the reviewed clients and recording analyses and conclusions.
  • Ensures timely submission of financials / inventory / receivables, TAT etc.
  • Analysing financial statements in order to evaluate credit quality and portfolio risk.
  • Examining credit files for completeness and timeliness of information, noting exceptions for correction.
  • Coordinating and resolving any irregularities in transactions with Relationship Managers.
  • Monitoring the project monitoring cards for each contract / project / bank financing and obtaining regular update from clients in this regard.
  • Put up interim reviews and restructure of lines as and when required.
  • Ensuring that all procedures and policies are implemented and being followed in compliance with organization.
  • Ensuring implementation of all audit recommendations and minimizing occurrence of any deviation during audit checks.
  • Any other task assigned by Management.


  • Minimum 5 years experience with at least 2 year experience as a SME / Corporate Credit in UAE Banking/ SME Sales experience
  • Preferred experience in Islamic Banking
  • Advanced accounting skills
  • Knowledge of industry, corporate market practices and trends
  • Knowledge of Legislation requirements for credit in corporate businesses
  • Ability to speak in English. Arabic would be a plus
  • Good skills in the assessment of credit risk spread and analyse the financial statements
  • Understanding of country banking system
  • Excellent multi-tasking ability.
  • Good PC skills with proficiency in MS Office and MS Word
  • Good planning, organizing and decision making skills