Senior Credit Analyst Dubai Islamic Bank

An exciting opportunity has been announced by Dubai Islamic Bank for the job role of Senior Credit Analyst in Dubai UAE. The company published this job on December 14, 2023 and is open to accept application.

Responsibilities of Senior Credit Analyst

• To ensure deviation approvals from product and credit parameters are done as per the delegated authority matrix.
• To assist in monitoring risk and market trend to suggest amendment in policies when required to minimize risk & increase quality as well as to identify anomalies in credit policy.
• Continuously striving to improve productivity rates and increase quality in order to ensure delivery of quality service to external / internal customer within the committed turnaround time.
• To ensure accuracy of daily/monthly data capture for MIS reports
• To identify and highlights all fraudulent activities thereby reducing risk exposure and increasing quality of analysis.
• To ensure Quality of detailed credit narrations and to facilitate management approval
• In Depth analysis of audited financial for balance sheet lending and preparing in depth credit proposal for higher management review and decision.
• To analyze and process cases based on overall consideration of customer’s profile, employment status and industry, financial position, existing liabilities, aggregate exposure to DIB, capability of repayment and credit history, relationship with DIB (internally with other departments e.g. status of other availed facilities from corporate and relationship manager’s recommendations) and other banks. Recommendation of cases to higher level of authority. Adequate market knowledge of UAE property market.
• To conduct internal self-audit on processed cases and maintain low risk rating review by audit. Ensure timely resolution to Audit observations.

Eligibility Requirements

The requirements of Senior Credit Analyst are as under:

• Minimum Bachelor’s Degree. Financial accreditation will be an advantage.
• 3-4 years experience of financial services industry including Retail Banking Areas.

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