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Credit Analyst, Commercial Banking Credit - Corporate Banking Credit at United Arab Bank
Dubai, Dubai, United Arab Emirates -
Full Time

Start Date

Immediate

Expiry Date

07 Jan, 27

Salary

85000.0

Posted On

09 Oct, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Yes

Skills

Industry

Banking & Credit

Description
  • Job Purpose:Support the effective credit assessment and ongoing monitoring of the Commercial Banking portfolio by carrying out timely, accurate and independent analysis in line with the Bank's credit policies, procedures and risk appetite.
  • Ensure that all preliminary documents required with Commercial Banking credit applications are available, complete and appropriately reviewed before detailed credit assessment.
  • Review financial and non-financial information, identify key credit risks and mitigants, and provide an independent credit opinion and recommendation to the relevant approving authority.
  • Support maintenance of portfolio quality through timely reviews, early identification of warning signals and follow-up of credit conditions and action points.


  • Principal Accountabilities:Preliminary Review and Credit AssessmentReview Commercial Banking credit applications at the initial stage to ensure required documents, information and approvals are complete and valid.
  • Identify missing, outdated or inconsistent information and coordinate with the Relationship Team for timely clarification or submission.
  • Analyse financials, cash flows, borrowing position, business profile, industry dynamics, management quality, repayment capacity and proposed facility structure.
  • Assess key risks, mitigants, policy compliance, delegated authority and risk appetite, and prepare a clear Credit Risk Assessment Summary with balanced recommendation, conditions and covenants.
  • Undertake customer or site visits, to develop an independent understanding of the business and operating risks.


  • Portfolio Monitoring and Follow-upSupport periodic reviews, renewals and monitoring of assigned accounts, covering financial performance, account conduct, covenants, excesses, arrears and documentation exceptions.
  • Identify early warning signals and escalate material deterioration, adverse developments or policy breaches to the Line Manager.
  • Follow up on approval conditions, deferrals and action points with Coverage, CAD and other stakeholders.
Responsibilities