Credit Analyst

Professional.me

Employer Active

Posted 6 hrs ago

Experience

2 - 7 Years

Job Location

United Arab Emirates - United Arab Emirates

Education

Bachelor of Commerce(Commerce)

Nationality

Any Nationality

Gender

Not Mentioned

Vacancy

1 Vacancy

Job Description

Roles & Responsibilities

The Credit Analyst position is a full-time, onsite role based at a leading banking institution in Sharjah, UAE. This mid-level professional role is responsible for conducting comprehensive credit assessments of individuals and organizations, supporting prudent lending decisions, and ensuring compliance with regulatory standards. The position plays a critical part in managing credit risk, maintaining portfolio quality, and contributing to the bank s overall financial stability and growth.

Key Responsibilities

  • Perform detailed financial analysis of loan applicants, including individuals, SMEs, and corporate entities, to assess creditworthiness and repayment capacity.
  • Prepare thorough credit proposals and risk assessments, incorporating quantitative and qualitative data, and present recommendations to credit committees.
  • Analyze financial statements, cash flow projections, and business plans to identify potential risks and opportunities.
  • Conduct due diligence on applicants, including background checks, industry analysis, and verification of collateral and supporting documentation.
  • Monitor existing loan portfolios, track payment performance, and proactively identify early warning signs of credit deterioration.
  • Ensure all credit assessments and documentation comply with UAE Central Bank regulations, internal policies, and international best practices.
  • Collaborate closely with relationship managers, risk management, and legal teams to structure appropriate credit facilities and mitigate risk.
  • Maintain up-to-date knowledge of local and regional economic trends, industry developments, and regulatory changes impacting credit risk.
  • Prepare regular reports and presentations for senior management, highlighting portfolio performance, risk concentrations, and recommendations for action.
  • Participate in internal audits, regulatory reviews, and continuous improvement initiatives to enhance credit processes and controls.

Desired Candidate Profile

Required Experience & Skills

  • Proven experience (typically 2-5 years) as a credit analyst or in a similar credit risk assessment role within the banking or financial services sector.
  • Strong analytical skills with the ability to interpret complex financial statements, conduct ratio analysis, and evaluate cash flows.
  • In-depth understanding of credit risk principles, lending products (including personal, SME, and corporate loans), and collateral evaluation.
  • Familiarity with UAE banking regulations, Central Bank guidelines, and local market practices.
  • Proficiency in financial modeling, credit scoring techniques, and risk rating methodologies.
  • Advanced skills in Microsoft Excel, Word, and PowerPoint; experience with credit analysis software and banking systems is highly advantageous.
  • Excellent written and verbal communication skills, with the ability to prepare clear credit reports and present findings to stakeholders.
  • Strong attention to detail, organizational skills, and the ability to manage multiple priorities under tight deadlines.
  • High level of integrity, professionalism, and discretion in handling confidential information.
  • Collaborative mindset with the ability to work effectively in cross-functional teams and contribute to a positive work environment.

Qualifications

  • Bachelor s degree in Finance, Accounting, Economics, Business Administration, or a related field is required.
  • Professional certifications such as CFA, FRM, or equivalent are highly regarded and may be preferred.
  • Ongoing professional development in credit risk, banking regulations, or financial analysis is advantageous.

Company Industry

  • Banking
  • Financial Services
  • Broking

Department / Functional Area

  • Finance
  • Treasury

Keywords

  • Credit Analyst

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Professional.me

Our client is a well-established banking firm located in Sharjah, UAE. They offer a comprehensive suite of banking and financial services ranging from retail and corporate banking to wealth management supported by a commitment to innovation, customer centricity, and regional growth. Operating in a dynamic UAE market, the firm emphasizes reliability, tailored financial solutions, and robust regulatory compliance to support both local clients and expanding business enterprises.

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