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Credit Analyst – Financial Underwriting and Loan Processing Job Vacancy in UAE Dubai
Posted date [2025-04-19]
(ID: 34421)
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As the largest bank in the UAE, FAB has taken decisive steps as a regional pacesetter in the financial industry to bind both ambition and action together to accelerate the pace of positive environmental change. As the first bank in the MENA region to have committed to a target of net-zero emissions by 2050, we're making advances across our own operations in addition to walking alongside our clients as their strategic partner to ensure they can achieve their climate goals.... |
Credit Analyst – Financial Underwriting and Loan Processing
Join First Abu Dhabi Bank (FAB), the UAE’s largest financial institution, and be part of a team dedicated to transforming the banking industry through innovation and service excellence. We are hiring a Credit Analyst to support our credit risk assessment and loan underwriting operations, ensuring responsible lending and compliance with bank policies.
Job Location: Abu Dhabi, United Arab Emirates
Industry: Banking
Function: Accounting / Finance
Job Type: Full-time
Gender: Any
Candidate Nationality: Any
Candidate Current Location: Any
What Does a Credit Analyst Do?
As a Credit Analyst at FAB, you will assess loan proposals, conduct in-depth financial analysis, and ensure all credit assessments align with regulatory and internal standards. Your role will be crucial in maintaining risk integrity and supporting sustainable lending.
What Are the Key Responsibilities?
- Review, analyze, and prepare credit memos with complete customer financial information
- Conduct field visits for eligible loan applicants following initial assessment
- Evaluate audited financials and bank statements to determine creditworthiness
- Calculate financial ratios including debt service coverage, turnover ratios, and profitability indicators
- Recommend, structure, and prepare credit proposals in compliance with internal policies
- Review requests for restructures, deferrals, and waivers in line with risk criteria
- Ensure accuracy and completeness of documentation to prevent fraud
- Operate efficiently using internal systems such as OBIEE, Vision Plus, Globus, Intellect, and external checks like AECB and Central Bank
- Collaborate with other teams to ensure timely and compliant loan processing
- Maintain records of approved proposals and supporting documentation
What Skills Are Needed for a Credit Analyst in Abu Dhabi?
Education:
- Minimum bachelor’s degree in Finance, Banking, Commerce, or a related field
Experience and Technical Competencies:
- Strong background in financial analysis and understanding of lending procedures
- Familiarity with UAE credit bureaus and regulatory compliance standards
- Analytical mindset with the ability to interpret financial statements and assess credit risks
- Detail-oriented with strong organizational and documentation skills
- Ability to work under pressure while maintaining quality standards
- Excellent communication skills and team collaboration
What Benefits Come with This Position?
- Opportunity to work at the forefront of the UAE’s banking sector
- Be part of a dynamic team with strong leadership and professional development
- Access to cutting-edge financial systems and global best practices
- Competitive salary and employee benefits package
- Growth potential within one of the safest and most respected financial institutions worldwide
About the Company
First Abu Dhabi Bank (FAB) is the UAE’s largest bank and one of the world’s most secure and globally connected financial institutions. Headquartered in Abu Dhabi, FAB operates across more than 19 countries and serves a diverse range of clients through corporate, investment, and personal banking services. At FAB, our mission is to empower customers to grow stronger through innovation, integrity, and customer-first values.
Join First Abu Dhabi Bank (FAB), the UAE’s largest financial institution, and be part of a team dedicated to transforming the banking industry through innovation and service excellence. We are hiring a Credit Analyst to support our credit risk assessment and loan underwriting operations, ensuring responsible lending and compliance with bank policies.
Job Location: Abu Dhabi, United Arab Emirates
Industry: Banking
Function: Accounting / Finance
Job Type: Full-time
Gender: Any
Candidate Nationality: Any
Candidate Current Location: Any
What Does a Credit Analyst Do?
As a Credit Analyst at FAB, you will assess loan proposals, conduct in-depth financial analysis, and ensure all credit assessments align with regulatory and internal standards. Your role will be crucial in maintaining risk integrity and supporting sustainable lending.
What Are the Key Responsibilities?
- Review, analyze, and prepare credit memos with complete customer financial information
- Conduct field visits for eligible loan applicants following initial assessment
- Evaluate audited financials and bank statements to determine creditworthiness
- Calculate financial ratios including debt service coverage, turnover ratios, and profitability indicators
- Recommend, structure, and prepare credit proposals in compliance with internal policies
- Review requests for restructures, deferrals, and waivers in line with risk criteria
- Ensure accuracy and completeness of documentation to prevent fraud
- Operate efficiently using internal systems such as OBIEE, Vision Plus, Globus, Intellect, and external checks like AECB and Central Bank
- Collaborate with other teams to ensure timely and compliant loan processing
- Maintain records of approved proposals and supporting documentation
What Skills Are Needed for a Credit Analyst in Abu Dhabi?
Education:
- Minimum bachelor’s degree in Finance, Banking, Commerce, or a related field
Experience and Technical Competencies:
- Strong background in financial analysis and understanding of lending procedures
- Familiarity with UAE credit bureaus and regulatory compliance standards
- Analytical mindset with the ability to interpret financial statements and assess credit risks
- Detail-oriented with strong organizational and documentation skills
- Ability to work under pressure while maintaining quality standards
- Excellent communication skills and team collaboration
What Benefits Come with This Position?
- Opportunity to work at the forefront of the UAE’s banking sector
- Be part of a dynamic team with strong leadership and professional development
- Access to cutting-edge financial systems and global best practices
- Competitive salary and employee benefits package
- Growth potential within one of the safest and most respected financial institutions worldwide
About the Company
First Abu Dhabi Bank (FAB) is the UAE’s largest bank and one of the world’s most secure and globally connected financial institutions. Headquartered in Abu Dhabi, FAB operates across more than 19 countries and serves a diverse range of clients through corporate, investment, and personal banking services. At FAB, our mission is to empower customers to grow stronger through innovation, integrity, and customer-first values.
