Credit Risk Analyst (UAEN)

Title: Credit Risk Analyst (UAEN)

Location: Dubai

About the Client

Our client, a prominent financial institution in Dubai, is seeking a Credit Risk Analyst to join their Risk Management team. This role focuses on evaluating credit proposals, monitoring portfolio risk, and ensuring compliance with internal policies and regulatory standards.

Key Responsibilities

• Review and analyze credit proposals, assessing financials, repayment capacity, and collateral adequacy.
• Conduct due diligence and creditworthiness assessments for individuals and corporate clients.
• Prepare detailed credit reports with recommendations.
• Assign risk ratings using internal scoring models and ensure compliance with credit policies and regulations.
• Support Credit Committee preparations and approvals.
• Monitor portfolio performance, identify early warning signals, and suggest risk mitigation measures.
• Prepare regular credit risk reports, dashboards, and Key Risk Indicators (KRIs).
• Ensure adherence to Central Bank regulations and assist with ICAAP, IFRS9, and stress testing data.
• Contribute to credit policy reviews and development of risk models and frameworks.
• Collaborate with Relationship Managers and business teams to ensure quality credit submissions and compliance.

Key Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Business, or related field.
• 1–5 years’ experience in Credit Risk or Corporate Credit Analysis - fresh graduates with strong academics may be considered.
• Strong financial analysis and credit assessment skills.
• Good understanding of financial statements, ratios, and cash flow analysis.
• Proficient in MS Excel and PowerPoint; experience with risk systems is a plus.
• Knowledge of IFRS9, risk rating models, and credit regulations preferred.
• Detail-oriented with strong analytical and problem-solving skills.
• Excellent communication and report-writing abilities.