Credit Analyst - Financial Institutions

UBL UAE is seeking for a highly analytical and detail-oriented professional to join our Financial Institutions team as Credit Analyst. The ideal candidate will be responsible for evaluating the creditworthiness of banks, non-banking financial companies (NBFCs), and insurance firms. This role requires a solid understanding of financial analysis, regulatory frameworks, and market dynamics impacting financial institutions.

Key Responsibilities

1. Credit Evaluation & Risk Assessment

• Conduct in-depth credit assessments of counterparties including banks, NBFCs, and insurance firms using financial, regulatory, and qualitative criteria.
• Prepare comprehensive credit proposals, assign internal risk ratings, and recommend appropriate exposure limits.
• Evaluate entity-level risks including capital adequacy, asset quality, funding and liquidity profiles, earnings stability, and management quality.

2. Portfolio Management & Risk Monitoring

• Continuously monitor the credit portfolio for early warning signals, deteriorating credit metrics, and industry developments.
• Ensure periodic credit reviews are completed in line with internal policies and regulatory guidelines (e.g., Basel norms).
• Track macroeconomic, regulatory, and sectoral developments affecting portfolio counterparties.

3. Credit Support & Stakeholder Coordination

• Work closely with Relationship Managers (RMs) to support deal structuring, credit analysis, and approval processes.
• Present credit assessments and recommendations to Credit Committees.
• Ensure effective alignment of risk appetite with business objectives and transaction structures.

4. Relationship Management & Market Intelligence

• Develop and maintain relationships with senior stakeholders across financial institutions.
• Stay abreast of market trends, regulatory changes, monetary policies, and liquidity movements to proactively assess risks and opportunities.

5. Product Expertise & Structuring

• Demonstrate strong knowledge of FI-specific products such as:
• Trade Finance
• Syndicated Lending
• Custody Services
• Liquidity Management Solutions
• Provide input on product structuring and tailor credit solutions that balance client needs with the bank’s risk appetite.

Key Requirements:

• Bachelor's/Master’s degree in Finance, Economics, Accounting, or related field; CFA/FRM qualifications are a plus.
• 4–6 years of relevant experience in credit analysis or risk management within a bank or financial institution.
• In-depth knowledge of regulatory and rating frameworks.
• Excellent written and verbal communication skills for effective report writing and presentations.
• Strong stakeholder management and collaboration skills.
• Analytical mindset with the ability to manage multiple priorities in a fast-paced environment.
• Strong financial statement analysis and credit modelling skills.