Credit Analyst - Personal Banking Mortgage Lending - Dubai, UAE

• Evaluate creditworthiness of clients by analyzing financial statements, bank data, and credit history
• Prepare and review credit proposals related to mortgage loans in compliance with bank policies
• Ensure all required documentation is complete, accurate, and aligned with regulatory and audit requirements
• Highlight credit risks, policy deviations, and suggest risk mitigants in proposals submitted for approval
• Monitor and manage exceptions such as incomplete or deferred security documents
• Process applications through internal systems (e.g., CAS) within specified service level agreements
• Conduct external verifications such as Employment Verification (EV) and Contact Point Verification (CPV)
• Coordinate with other internal departments to support application processing and approvals
• Maintain productivity reports and submit regular updates to the reporting manager
• Maintain professional conduct and effective communication with internal stakeholders
• Continuously update knowledge on regulatory standards, bank policies, and credit evaluation techniques

• Bachelor's degree in Business Administration, Finance, Banking, or related discipline
• Minimum 3 years of experience in credit analysis or risk assessment, including 1 year in a similar role
• Strong understanding of banking products, particularly in personal and mortgage lending
• Knowledge of Central Bank regulations, credit risk policies, and underwriting practices
• High attention to detail, accuracy, and confidentiality in reviewing financial data
• Excellent communication and interpersonal skills for cross-functional coordination
• Proficiency in internal banking systems and productivity reporting tools

• Evaluate creditworthiness of clients by analyzing financial statements, bank data, and credit history
• Prepare and review credit proposals related to mortgage loans in compliance with bank policies
• Ensure all required documentation is complete, accurate, and aligned with regulatory and audit requirements
• Highlight credit risks, policy deviations, and suggest risk mitigants in proposals submitted for approval
• Monitor and manage exceptions such as incomplete or deferred security documents
• Process applications through internal systems (e.g., CAS) within specified service level agreements
• Conduct external verifications such as Employment Verification (EV) and Contact Point Verification (CPV)
• Coordinate with other internal departments to support application processing and approvals
• Maintain productivity reports and submit regular updates to the reporting manager
• Maintain professional conduct and effective communication with internal stakeholders
• Continuously update knowledge on regulatory standards, bank policies, and credit evaluation techniques

• Bachelor's degree in Business Administration, Finance, Banking, or related discipline
• Minimum 3 years of experience in credit analysis or risk assessment, including 1 year in a similar role
• Strong understanding of banking products, particularly in personal and mortgage lending
• Knowledge of Central Bank regulations, credit risk policies, and underwriting practices
• High attention to detail, accuracy, and confidentiality in reviewing financial data
• Excellent communication and interpersonal skills for cross-functional coordination
• Proficiency in internal banking systems and productivity reporting tools

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