Senior Credit Analyst Officer Dubai Islamic Bank

Dubai Islamic Bank is currently seeking suitable candidate for position of Senior Credit Analyst Officer. The company published this job on December 14, 2023 and is open to receive applications.

Responsibilities of Senior Credit Analyst Officer

• 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.
• To check and monitor the authenticity of the facilities proposed by branches / sales and effectively ensuring that all financial and non financial parameters are adhered with proper signoff at every stage.
• Adhere to all Retail credit SOP and SLAs to ensure timely delivery with minimum TAT as well as to ensure acceptable risk rating is achieve by the department in all internal and external audits.
• 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: