• ADIB Bank Careers, Dubai | Credit Analyst

    ADIB Bank Careers, Dubai | Credit Analyst

    Location: Dubai - United Arab Emirates
    Published:

    Job Description

    To provide quality service to business units through undertaking risk assessment analysis of various types of financing proposals. To monitor credit worthiness of obligor/ counterparties once the lines are put in place

    Duties and Responsibilities

    Your main responsibilities in this role include the following:

    • Risk Management & Credit Analyst

    • Support Division Heads and SRMs in the review and preparation, where applicable of TMs, RACs, Greenlight memos and credit applications

    • Support Customer Service Unit in the approval of availment memos for transactions and liaise with the approving officers for sanction

    • Carry out initial market checking and monitor credit worthiness of obligors/counterparties including search for negative press articles, rating agencies.

    • Assess financing requirements, analyze client’s financial position, including identification of related risk and their justification

    • Perform financial analysis and modelling and quantitative analysis for credit applications

    • Complete Management Assessments and BIRs

    • Participate in pre-CA meetings with Risk and other teams as applicable

    • Prepare necessary security and other documents in liaison with Legal & Sharia Department

    • Ensure fulfilment of all required documentation (incl. insurance) as per the banks credit policies and procedures

    • Liaise with CAD as required during preparation of CA packages

    • Ensure that current TM , CA templates and other systems and procedures are complied with

    • Stay informed about risk, legal, compliance and market issues that may impact the approval od a credit

    • Ensure all deferred documentation is tracked and obtained on time

    • Assist with annual renewals and ensure that facilities are renewed on time

    • Relationship Management

    • Manage up to 4 liability only clients if allocated

    • Achieve financial targets assigned in line with portfolio handled (e.g. total revenues, revenue from treasury products, revenue from cash management, RORC, etc.)

    • Ensure regular interaction with clients to address any banking/financial needs and increase ADIB share of wallet

    • Work closely with customer service unit to ensure that clients’ day to day transaction needs are addressed

    • Process Implementation

    • Conduct client calls at least quarterly

    • Document call memos in standard format capturing the contents of the meeting, opportunities for business development, client’s financial plan, etc

    • Develop account plans for each relationship and use it as a basis for regular client calling; keep account plans updated

    • Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis

    • Compliance

    • Ensure that activities are in full compliance of group policies and processes including Sharia requirements, Central Bank regulations and other internal Legal and Compliance regulations at all times

    • Ensure satisfactory internal and external audit ratings

    • Other

    • Attend recommended trainings

    • Customer Orientation

    • Communication

    • Quality Orientation

    • Team Work

    • Adaptability

    • Technical knowledge

    • Influencing

    • Information Gathering

    • Problem Solving

    • Decision Making

    • Initiative & Change


    Job Requirements

    • A high level of numeracy and analytical (both qualitative and quantitative) skills

    • Credit Risk experience (2 years+) from ADIB MA program

    • Strong MS office skill sets (esp. Excel)

    • Knowledge of all banking products

    • Knowledge of Islamic/sharia complaint banking products/ Practices

    • Understanding of WBG business

    Job Details

    Company: Abu Dhabi Islamic Bank - ADIB

    Employment Type: Full-time

    Job Location: Dubai, United Arab Emirates

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