Assess Risk, Enable Growth: Credit Analyst
Location: Dubai, United Arab Emirates (On-site)
Category: Finance & Banking
Salary: Competitive (Tax-Free) + Benefits
Type: Full-Time
About the Role
Are you a detail-oriented professional with a talent for assessing financial health and managing risk? Do you enjoy digging into financial statements and making sound judgments that enable business growth? We are seeking a skilled and analytical Credit Analyst to join our banking team in Dubai .
In this critical role, you will evaluate the creditworthiness of corporate and individual clients, analyze financial data, and prepare credit proposals that inform lending decisions. Your assessments will directly impact the quality of our loan portfolio and the bank’s ability to support clients responsibly .
If you have a strong foundation in financial analysis, a keen eye for detail, and a commitment to sound risk management, we encourage you to apply.
Key Responsibilities
Credit Assessment & Analysis:
- Evaluate the creditworthiness of corporate and individual clients through comprehensive financial analysis .
- Analyze financial statements, cash flow projections, industry trends, and management profiles to assess repayment capacity .
- Conduct ratio analysis, trend analysis, and sensitivity testing to identify risks and opportunities .
Credit Proposal Preparation:
- Prepare detailed credit proposals and presentations for approval by credit committees .
- Structure lending solutions that meet client needs while aligning with the bank’s risk appetite and policies .
- Recommend appropriate credit limits, terms, and conditions based on thorough analysis .
Portfolio Monitoring:
- Monitor the performance of assigned credit portfolio, tracking compliance with covenants and identifying early warning signals .
- Conduct periodic reviews and annual renewals of credit facilities .
- Prepare regular portfolio reports and highlight any emerging risks to management .
Risk Management:
- Ensure all credit activities comply with internal policies, regulatory requirements, and Central Bank guidelines .
- Stay updated on industry developments, economic trends, and regulatory changes that may impact credit risk .
- Collaborate with relationship managers and risk teams to mitigate potential losses .
Due Diligence:
- Conduct site visits and meetings with clients as part of due diligence process .
- Verify information provided by clients and gather additional data as needed .
- Maintain accurate and up-to-date credit files and documentation .
Qualifications & Requirements
Education & Experience:
- Bachelor’s degree in Finance, Accounting, Economics, or a related field .
- Professional certification such as CFA, CPA, or ACCA is highly preferred .
- Minimum of 3-5 years of experience in credit analysis, corporate banking, or risk management .
Technical Skills:
- Strong proficiency in financial analysis, financial modeling, and credit assessment techniques .
- Deep understanding of financial statements, accounting principles, and ratio analysis .
- Knowledge of lending products, credit policies, and regulatory requirements in the UAE .
- Proficiency in MS Excel and financial analysis tools .
Personal Attributes:
- Strong analytical and critical thinking skills with meticulous attention to detail .
- Excellent judgment and decision-making abilities, with ability to balance risk and reward .
- Effective communication skills, with ability to present complex credit analysis clearly .
- Integrity and commitment to ethical practices and confidentiality .
- Ability to work independently and collaboratively in a team environment .
- Fluency in English (spoken and written). Arabic language skills are a strong advantage .
Why Join Us?
- Critical Role: Be a key decision-maker in the bank’s lending activities and portfolio quality .
- Professional Growth: Access to training, certifications, and career advancement in credit and risk management .
- Collaborative Environment: Work with relationship managers, risk teams, and senior leadership .
- Market Leader: Join a respected financial institution with a strong presence in the UAE .
- Competitive Compensation: Attractive tax-free salary and comprehensive benefits package .
Ready to Assess and Enable?
If you are a skilled Credit Analyst ready to make sound lending decisions in Dubai, we want to hear from you.