accountant

senior accountant

finance manager

business analyst

financial analyst

credit analyst

P Investments

<p><b>We are looking for a Credit Analyst for a Rating Agency. Please apply if you are looking for remote opportunity.</b></p><p><b>Role Overview:</b> The Rating Analyst will be responsible for analyzing the creditworthiness of various entities, including corporations and financial institutions. This role involves assessing financial statements, market trends, and economic factors to determine the risk of default and assigning appropriate credit ratings. The Rating Analyst will work closely with senior analysts and rating committees to ensure accurate and timely rating assessments.</p><p><b>Key Responsibilities:</b></p><ul><li><b>Credit Analysis:</b></li><li>Analyze financial statements, including balance sheets, income statements, and cash flow statements, to assess the financial health of entities.</li><li>Evaluate industry trends, economic conditions, and other external factors that could impact credit risk.</li><li>Assess the management quality, business strategies, and market position of entities.</li><li><b>Market Research:</b></li><li>Conduct in-depth research on specific industries, sectors, and economies to support rating assessments.</li><li>Stay updated on regulatory changes, financial market developments, and macroeconomic trends that may impact credit ratings.</li><li><b>Rating Assignment:</b></li><li>Prepare detailed credit rating reports, including justifications for the assigned ratings.</li><li>Present rating findings to rating committees, defend analytical conclusions, and address queries from committee members.</li><li>Monitor and update credit ratings as new information becomes available or as market conditions change.</li><li><b>Compliance and Documentation:</b></li><li>Ensure that all rating activities comply with regulatory requirements and internal policies.</li><li>Maintain accurate records of all analyses, reports, and communications related to credit ratings.</li></ul><p><b>Qualifications &amp; skills</b></p><ul><li>Bachelor&rsquo;s degree <b>in finance/accounting,</b> or a related field. Professional certifications / Master&rsquo;s are a plus.</li><li>Strong analytical skills with the ability to interpret complex financial data.</li><li>Excellent written and verbal communication skills.</li><li>Proficiency in Microsoft Word, Excel, and other analytical tools.</li><li>Attention to detail and ability to work under tight deadlines.</li><li>Candidates with <b>2 to 5 years&rsquo;</b> experience in credit analysis, financial analysis, or related roles will be preferred.</li><li>Proficiency in Microsoft Excel, Word, and analytical tools.</li><li>High attention to detail and the ability to meet tight deadlines.</li></ul><p>Job Type: Full-time</p><p>Pay: AED2,000.00 - AED3,000.00 per month</p>

Credit Analyst - Remote

spocto

<div><div><h3 class="jobSectionHeader"><b>Job Information</b></h3>
<ul><div><p>Company</p>
<div><b>Spocto</b><b>
</b></div></div><div><p>Date Opened</p>
<div><b>08/13/2025</b><b>
</b></div></div><div><p>Job Type</p>
<div><b>Full time</b><b>
</b></div></div><div><p>Industry</p>
<div><b>Financial Services</b><b>
</b></div></div><div><p>City</p>
<div><b>Dubai</b><b>
</b></div></div><div><p>State/Province</p>
<div><b>Dubayy (Dubai)</b><b>
</b></div></div><div><p>Country</p>
<div><b>United Arab Emirates</b><b>
</b></div></div><div><p>Zip/Postal Code</p>
<div><b>337-1500</b><b>
</b></div></div></ul></div><div><h3 class="jobSectionHeader"><b>About Us</b></h3>
<div><p>Yubi stands for ubiquitous. But Yubi will also stand for transparency, collaboration, and the power of possibility.</p><p><br>
From being a disruptor in India&rsquo;s debt market to marching towards global corporate markets from one product to one holistic product suite with seven products</p><p><br>
Yubi is the place to unleash potential. Freedom, not fear. Avenues, not roadblocks. Opportunity, not obstacles.</p><br>
<div></div>
</div><p></p><h3 class="jobSectionHeader"><b>Job Description</b></h3>
<div><p>Key Responsibilities:</p><div></div><ul><li><p><br>
Credit Evaluation: Analyse applicants' financial information, credit history, and other relevant data to assess their creditworthiness for loan applications.</p></li><li><p><br>
Risk Assessment: Identify and evaluate potential risks associated with loan approvals and recommend appropriate actions.</p></li><li><p><br>
Data Analysis: Utilize advanced analytics to interpret data trends and insights, providing actionable recommendations to improve loan performance.</p></li><li><p><br>
Reporting: Prepare comprehensive credit analysis reports for internal stakeholders, highlighting key findings and recommendations.</p></li><li><p><br>
Collaboration: Work closely with sales teams to understand customer profiles and ensure alignment with credit policies.</p></li><li><p><br>
Policy Compliance: Ensure adherence to company credit policies and regulatory requirements, updating them as necessary based on market changes.</p></li><li><p><br>
Client Interaction: Communicate effectively with clients regarding credit decisions and provide guidance on improving credit profiles when needed.</p></li><li><p><br>
Continuous Improvement: Stay updated on industry trends, emerging risks, and best practices in credit analysis to enhance processes and methodologies.</p></li></ul><div></div><p><br>
Qualifications:</p><div></div><ul><li><p><br>
Bachelor&rsquo;s/Master&rsquo;s degree in Finance, Business, Economics, or a related field.</p></li><li><p><br>
Proven experience in credit analysis, preferably in a fintech or banking environment.</p></li><li><p><br>
Strong understanding of credit scoring models and risk assessment methodologies.</p></li><li><p><br>
Proficiency in data analysis tools and software (e.g., Excel, SQL, Tableau).</p></li><li><p><br>
Excellent analytical and problem-solving skills.</p></li><li><p><br>
Strong communication and interpersonal skills, with the ability to convey complex information clearly.</p></li><li><p><br>
Detail-oriented with strong organizational skills and the ability to manage multiple tasks.</p></li></ul><div></div><p><br>
Preferred Qualifications:</p><div></div><ul><li><p><br>
Experience with SME lending, Business loans etc.</p></li><li><p><br>
Familiarity with regulatory frameworks governing lending practices.</p></li><li><p><br>
Professional certifications (e.g., CFA, FRM) are a plus.</p></li></ul></div></div></div><p></p>

Senior Associate - Credit Analyst

First Abu Dhabi Bank

<div><b>Company Description</b><p><br>
Join the UAE&rsquo;s largest bank and one of the world&rsquo;s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting and dynamic industry.</p><b><br>
Job Description</b><p><b><br>
JOB PURPOSE:
</b></p><p>The purpose of this role is to take credit ownership from underwriting to obtaining necessary approvals for the assigned portfolio of clients within the Wealth Banking. Aside of ensuring all propositions are in compliance with Group Credit Policy and guidelines, the role&rsquo;s purpose is also to provide guidance and expertise across full spectrum of product offering(s) working with Coverage &amp; Product teams as also engaging with the client, where necessary, in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.</p><p><b>
KEY ACCOUNTABILITIES:
</b></p><p><b>Generic Accountability</b></p><ul><li>
Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring.</li><li>
Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.</li><li>
Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.</li><li>
Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.</li><li>
Ensures that appropriate Target Market Risk Acceptance Criteria and Credit Policy guidelines are followed as part of approval process.</li><li>
Conduct and where appropriate, guide a team of analyst(s), to conduct robust credit analysis and obtain appropriate approvals.</li><li>
Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making.</li><li>
Guides Coverage / Product teams on credit appetite and way and means to optimize the same to achieve optimal risk-reward balance as per established guidelines.</li><li>
Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.</li><li>
Ensure accuracy of data being presented to various stakeholders including senior management</li><li>
Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.</li><li>
Recommend amendments to the Bank&rsquo;s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank&rsquo;s risk strategy &amp; policy</li><li>
Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented</li></ul><p><b>
Job Specific Accountabilities</b></p><ul><li>
Preparation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio</li><li>
Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.</li><li>
Ensure credit processing &amp; approval turnaround times as per agreed SLAs with Business Segment.</li><li>
Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients</li><li>
Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.</li><li>
Ensure all excesses, exceptions, overdue annual reviews, covenant deficiencies, ensuring current collateral valuations and deficiencies in terms and conditions vis-&agrave;-vis lending portfolio are monitored, controlled and addressed.</li><li>
Oversight the mark-to-market revaluation and margin monitoring process and liaise with the respective RMs to rectify any margin call situations.</li><li>
Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.</li><li>
Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.</li><li>
Manage problem credits closely, and recommending appropriate strategies and remedial action plans. Identify defaulters and recommend immediate remedial arrangements for maintaining a quality credit portfolio.</li><li>
Ensure asset classification and provisioning is in line with statutory and policy guidelines including any risk downgrades.</li><li>
Providing senior level advisory support on credit policies, lending structures, documentations and guidance to business heads/units in managing complex credit risks, providing practical solutions.</li><li>
Contribute to enhancement of knowledge and expertise of other team members by participating in training and development initiatives.</li></ul><br>
<b>
Qualifications</b><p><b><br>
Minimum Qualification</b></p><ul><li>
Must have Bachelor&rsquo;s degree.</li><li>
Desirable: - Chartered Accountant/ Masters in Business Administration (MBA) or any other relevant finance degree, professional certification charter (CFA/FRM etc) or diploma.</li></ul><p><b>
Minimum Experience &amp; Skill Set</b></p><ul><li>
Minimum 10 years relevant experience in the banking sector with at least 4-5 years in Credit function.</li><li>
Expert knowledge of various credit products such as Lombard lending, Real Estate financing, FX and Derivatives.</li><li>
Expert knowledge of various Investment products such as bonds, sukuks, stocks, mutual funds, structured notes etc.</li><li>
Ability to look into and beyond Personal Net Worth Statements/financials and see business proposition.</li><li>
Strong structuring skills</li><li>
Good understanding of legal and regulatory framework.</li><li>
Ability to work under pressure</li><li>
Strong communication skills &ndash; written and spoken.</li></ul></div>

AVP & Lead- Credit Management

Swaad Station Restaurant

<p>We are seeking a proactive and detail-oriented <b>Credit Controller</b> to manage credit control activities within the MEP Division, with a focus on <b>electrical, mechanical, and plumbing products and services</b>. The ideal candidate will have demonstrated experience managing both <b>project-based clients (contractors, consultants, developers)</b> and <b>retail customers (distributors, resellers)</b>. This role requires close coordination with the sales, operations, and project teams to ensure timely collection and healthy cash flow.</p><p><b>Key Responsibilities:</b></p><ul><li><b>Credit Management:</b></li><li>Evaluate new credit requests and conduct client credit checks.</li><li>Set credit limits based on company policies and risk assessment.</li><li>Maintain up-to-date records of customer accounts, aging analysis, and credit limits.</li><li><b>Receivables Monitoring:</b></li><li>Monitor accounts receivable balances across project-based and retail customers.</li><li>Ensure timely invoicing and follow-up on outstanding payments.</li><li>Handle escalations, disputes, and resolve billing issues in coordination with project or sales teams.</li><li><b>Project Customer Management:</b></li><li>Work closely with project managers and contract teams to track billing milestones, retention, and variation orders.</li><li>Align payment terms with project schedules and ensure compliance with contractual obligations.</li><li>Monitor payment certificates, LPOs, and collection timelines from contractors and consultants.</li><li><b>Retail Customer Management:</b></li><li>Oversee day-to-day credit control for retail sales, including cash sales, credit invoices, and returns.</li><li>Engage directly with resellers, small contractors, and walk-in clients for payment collections and reconciliations.</li><li><b>Reporting &amp; Analysis:</b></li><li>Generate regular reports on receivables, overdue accounts, and credit exposure.</li><li>Provide analysis and forecasts to senior management to support cash flow planning.</li><li>Recommend process improvements and assist in defining credit policies.</li><li><b>Compliance &amp; Documentation:</b></li><li>Ensure credit practices align with company policies and local regulations.</li><li>Maintain documentation of credit approvals, contracts, and correspondence with clients.</li></ul><p>Job Type: Full-time</p><p>Application Question(s):</p><ul><li>Please mention your current salary and expected salary here.</li></ul>

Credit Controller

مصرف ابوظبي الاسلامي

<div><p><b>Role : Associate Relationship Manager - Corporate Banking
</b><br>
<b>Location : </b>Dubai
<br>
<br>
<b>Role Purpose:
</b></p><ul><li>Support the Division Head and RMs in the overall maintenance of the assigned relationships within a Division &ndash; including but not limited to preparation of credit approval packages, AC memos, Credit Round Table &lsquo;CRT&rsquo; discussion materials, credit file maintenance, supporting the lead RM on business growth and operational matters
</li><li>Conduct thorough financial analysis and assess credit requests, including new requests, changed requests, refinancing and annual due diligence reviews
</li><li>Obtaining and updating the banking standards such as compliance clearance, documentation checklist, call reports etc.
</li></ul><p><b>Key Accountabilities of the role
</b></p><div><p><b>Business Proposition and Credit analysis:
</b></p><ul><li>Support Division Heads and RMs in the review and preparation of credit approval packages, AC memos, Credit Round Table &lsquo;CRT&rsquo; discussion materials etc. and ensure the same are completed as per the bank&rsquo;s requirements
</li><li>Attend client calls/meetings in conjunction with the RM/Division Head in relation to the client&rsquo;s banking requirements
</li><li>Work closely with the product partners &ndash; CFIB, GTB and Treasury on maximizing potential cross sell opportunities within a relationship
</li><li>Develop and prepare spreadsheets and perform financial analysis incl. basic financial modeling [if applicable] and qualitative analysis to support analysis of potential and existing credit applications
</li><li>Verify the accuracy and quality of information (both qualitative and quantitative) provided by the client
</li><li>Carry out initial market checking and monitor credit worthiness of obligors/counterparties including search for negative press articles, rating agencies.
</li><li>Liaise with Risk in relation to the credit approval packages such as responding to queries and comments from Risk Management etc.
</li><li>Prepare necessary security and other documents in liaison with Legal &amp; Sharia departments
</li><li>Liaise with CAD as and when required during preparation of CA packages and ensure all deferred documentations are tracked and obtained on time as well as updating all the banking standards such as compliance clearance, documentation checklist, call reports etc. in a timely manner
</li></ul><p><b>Relationship Management
</b></p><ul><li>Achieve financial targets assigned in line with portfolio handled (e.g. total revenues, revenue from treasury products, revenue from cash management, RORC, etc.)
</li><li>Ensure regular interaction with clients to address any banking/financial needs and effectively increase ADIB&rsquo;s share of wallet
</li><li>Work closely with customer service unit to ensure that clients&rsquo; day to day transaction needs are addressed to the customers&rsquo; satisfaction
</li></ul><p><b>Process Implementation
</b></p><ul><li>Track review dates, and ensure all facilities are renewed/deferred on a timely basis
</li><li>Ensure consistency, accuracy, quality, and integrity of all proposals/memos
</li><li>Conduct client calls at least quarterly and ensure all call memos are appropriately documented capturing the contents of the meeting, business opportunities, credit financial plan etc and ensure theses memos are routed via the requisite systems
</li><li>Maintain and reconcile the credit files and identify discrepancies and variances
</li><li>Ensure complete adherence to all KPIs (Turnaround time (TAT), Credit package quality, Review dates, etc.)
</li><li>Ensure that all new deals in discussion are recorded and updated in deals in pipeline report on a weekly basis
</li></ul><p><b>Compliance
</b></p><ul><li>Ensure that activities are in full compliance of group policies and processes including Sharia requirements, Central Bank regulations and other internal Legal and Compliance regulations at all times
</li><li>Ensure satisfactory internal and external audit ratings
</li></ul></div><p><b>Specialist Skills / Technical Knowledge Required for this role:
</b></p><div><ul><li>Strong analytical skills, including ability to perform data analysis, financial &amp; credit analysis, presentation skills, etc.
</li><li>Knowledge of Credit Policy &amp; Procedures
</li><li>Attended relevant credit training
</li><li>Customer skills and ability to prioritize and manage multiple tasks
</li><li>Customer orientation, communication, quality orientation, teamwork, adaptability, technical knowledge, influencing &amp; negotiation skills, information gathering and problem solving</li></ul></div></div>

Associate Relationship Manager

Mashreq

<div>
 <p>
  <strong>
   Job Purpose:
  </strong>
 </p>
 <ul>
  <li>
   Identify the facility and collateral documentation requirements based on Credit Approvals.
  </li>
  <li>
   Prepare facility and collateral documents in line with the bank policies, procedures, and standards.
  </li>
  <li>
   Ensure that all required documents (facility, collateral, and source) have been obtained in line with the credit approval.
  </li>
  <li>
   Ensure that all Credit facility documents are perfected and are in order in line with bank&rsquo;s Policies &amp; Procedures.
  </li>
  <li>
   Ensure physical safe custody and digital filling of the perfected documents.
  </li>
  <li>
   Carryout annual review of documents and monitor the exceptions in documentation.
  </li>
  <li>
   Carryout special assignments assigned from time to time for system and process enhancements.
  </li>
  <li>
   Prepare / Generate monitoring &amp; control reports pertaining to collaterals and documentation process workflows
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Result Areas:
  </strong>
 </p>
 <ul>
  <li>
   Analyze credit approval from documentation control perspective and identify purpose of the approval, required facility and collateral documentation, verify that credit approvals are approved in line with the Bank&rsquo;s policies and guidelines.
  </li>
  <li>
   Prepare appropriate credit facility and collateral documents incorporating all relevant terms and conditions stipulated in the Credit Approval.
  </li>
  <li>
   Co-ordinate with various Business Units, Risk Management and Legal team to finalize Credit Facility and Security Agreements as and when required.
  </li>
  <li>
   Ensure that documents mentioned in the lodgment list being received.
  </li>
  <li>
   Review all the documents related to approved facilities and ensure that all are in order as per bank&rsquo;s guidelines.
  </li>
  <li>
   Update documentation checklist to ensure that all the necessary documents have been obtained for the approved facility/ies.
  </li>
  <li>
   Ensure that all discrepancies have been identified and escalated to the appropriate level of authorities for resolution.
  </li>
  <li>
   Liaise with in-house legal team to verify the authenticity of signatories of borrowing entities and guarantors whenever necessary.
  </li>
  <li>
   Ensure that all physical documents are being lodged and digitally filed.
  </li>
  <li>
   Ensure that expiry dates, deferrals and any other exceptions are updated accurately in the relevant bank&rsquo;s systems (MIS) for monitoring purposes and escalate to higher level of authority in line with the agreed procedures.
  </li>
  <li>
   Provide documentation clearance to Credit Control Unit to release limits in the core system upon satisfying that all documents have been obtained and are in order.
  </li>
  <li>
   Periodically review borrowing documents physically held under custody to identify any discrepancy or housekeeping purposes.
  </li>
  <li>
   Support the implementation of process reengineering and digitization initiatives of the division.
  </li>
  <li>
   Ensure updating all related databases and monitoring tools maintains at unit on timely manner.
  </li>
  <li>
   Maintain satisfactory working relationship with our partners in Business, Technology and Operations.
  </li>
  <li>
   Ensure adherence to agreed TAT&rsquo;s.
  </li>
  <li>
   Accurately translate non-standard facility conditions to Arabic language.
  </li>
  <li>
   Report any irregularities in a timely manner.
  </li>
  <li>
   Perform User Acceptance Testing on assigned system enhancement projects related to documentation.
  </li>
  <li>
   Ensure &ldquo;Zero&rdquo; operational losses.
  </li>
  <li>
   Ensure Unit&rsquo;s RCSA is up to date.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Knowledge, Skills, &amp; Experience:
  </strong>
 </p>
 <ul>
  <li>
   Graduate with a Minimum of 6 years of experience in General Banking covering at least 5 years in credit Documentation related activities.
  </li>
  <li>
   Strong knowledge on various banking products &amp; services and its operational procedures.
  </li>
  <li>
   Technology oriented.
  </li>
  <li>
   Excellent communication (both oral and written) and interpersonal skills.
  </li>
 </ul>
</div>


Senior Associate, Corporate Documentation

Bagerz

<div><div><div><h5 class="jobSectionHeader"><b>Overview</b></h5><br>
</div><p></p><div><h4 class="jobSectionHeader"><b>Job Description</b><div><div><b><br>
</b></div></div></h4><p></p><ul><li>Verify and validate the distribution of credit in the system, ensuring accuracy in the amount and terms of the credit according to the contract.</li>
<li>Records and reconciles in the system the portion paid through the bank for loans distributed</li>
<li>Ensures that all required documents and verifications are completed before final validation of the loan disbursement process.</li>
<li>Confirms that the loan disbursement is in accordance with the institution's policies and procedures and regulatory requirements.</li>
<li>Records data in the credit management system.</li>
<li>Verify and update the system with accurate customer data.</li>
<li>Maintain accurate records of credit disbursements and report any discrepancies for review.</li>
<li>Communicates and notifies branches as needed on issues related to the validation of loan disbursement.</li>
<li>Checks documents for any discrepancies before releasing funds.</li>
</ul><h4 class="jobSectionHeader"><b>Job Requirements</b></h4>
<ul><li>University degree in Economics or a similar field,</li>
<li>Experience in lending operations, credit distribution processes or similar roles in the financial services sector.</li>
<li>Professional knowledge in the use of credit management systems and financial systems.</li>
<li>Attention to detail and good ability to work with numbers.</li>
<li>Excellent communication and interpersonal skills.</li>
<li>Strong problem-solving skills and ability to work under pressure.</li>
<li>Research, analytical and information evaluation skills,</li>
<li>Very good computer skills (Microsoft Office programs),</li>
</ul>
<p>About Company:</p>
<p>
Bagerz, a dynamic and forward-thinking organization, is committed to delivering excellence across all industries. We are currently on the lookout for passionate professionals who are eager to grow, innovate, and contribute to meaningful projects in a collaborative and fast-paced environment.</p>
</div>
<div><div><h5 class="jobSectionHeader"><b>Job Nature</b></h5>
</div><div>Full Time
</div></div><div></div><div><div><h5 class="jobSectionHeader"><b>Job Location</b></h5>
</div><div>Dubai
</div></div><div></div><div><div><h5 class="jobSectionHeader"><b>Job Level</b></h5>
</div><div>Sr. Position
</div></div></div><div></div><div><h3 class="jobSectionHeader"><b>How to Apply</b></h3>
<div></div>Apply Online</div></div><div></div>

Credit Department Officer

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