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credit analyst

United States Citigroup

Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis for Citi Corporate Clients and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio &amp; Industry Reviews. Key Responsibilities: <ul> <li>Assess the credit and financial strength of Citi s Corporate Clients based in Sub-Saharan Middle East and North Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li> <li>Complete Credit Analysis Write-up Memos and assign internal ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite</li> <li>Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Senior Underwriters, Risk and Banking partners</li> <li>Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios</li> </ul> Skills/Competencies: <ul> <li>Assists colleagues in identifying stretch opportunities to elevate individual and team performance</li> <li>Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li> <li>Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively</li> <li>Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li> <li>Microsoft Office (Word, Excel, and PowerPoint) skills</li> </ul> Language: English Read, Write and Speak

Underwriting Credit Analyst - Officer

INNOVATION DIRECT EMPLOYMENT SERVICES L.L.C

Responsibilities:Research –Research on companies and gather all data related to its business operations, sanctions, adverse media, related entities and UBO.Document Validation – Verify the relevant documents received from the customer such as Questionnaire, License, Article and Memorandum, Audited Financial Statements and initiate the processing of the caseManagement Discussion – Understand the business model of the subject and gather relevant information, prepare a list of observation and queries and set up a discussion/call with the management team of the customer for its clarificationCredit Analysis – Analyse the company based on financial and non-financial parameters, benchmark the financial performance of the company, analyse ratios and recommend credit risk ratingReport Writing – Prepare business rating report, prepare entity profile along with commentary on the ratios and its graphs. Undertake a SWOT analysis based on the available information and management discussionCo-ordination & MIS – respond to the sales and customer queries, co-ordinate with vendor for case assignment, maintain MIS and share periodic updates.

Junior Credit Analyst

Citi

Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis for Citi Corporate Clients and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio &amp; Industry Reviews.Key Responsibilities: Assess the credit and financial strength of Citi s Corporate Clients based in Sub-Saharan Middle East and North Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factorsComplete Credit Analysis Write-up Memos and assign internal ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetiteContinuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Senior Underwriters, Risk and Banking partnersPartnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfoliosKnowledge/Experience:Demonstrable financial services experience, including 0-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience. We also encourage fresher to apply.Ability to understand Citi policies and procedures with the ability to execute change seamlessly.Intermediate analytical skills, including an understanding of key financial components like liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issuesSkills/Competencies:Assists colleagues in identifying stretch opportunities to elevate individual and team performanceInterpersonal skills, with the ability to build relationships and exert influence with and without direct authorityOrganizational skills with ability and willingness to work under pressure and manages time and priorities effectivelyWritten and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniorityMicrosoft Office (Word, Excel, and PowerPoint) skillsLanguage: English   Read, Write and SpeakQualifications:BA/BSc or higher degree in Business (MBA), or any other related subjectThis job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.------------------------------------------------------Job Family Group: Risk Management------------------------------------------------------Job Family:Credit Risk------------------------------------------------------Time Type:Full time------------------------------------------------------Most Relevant SkillsAnalytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------Other Relevant SkillsFor complementary skills, please see above and/or contact the recruiter.------------------------------------------------------Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.View Citi s EEO Policy Statement and the Know Your Rights poster.

Aventus

<div>
 
 
 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
 
 
 <ul>
 <li>
 Review and analyze credit proposals, assessing financials, repayment capacity, and collateral adequacy.
 </li>
 <li>
 Conduct due diligence and creditworthiness assessments for individuals and corporate clients.
 </li>
 <li>
 Prepare detailed credit reports with recommendations.
 </li>
 <li>
 Assign risk ratings using internal scoring models and ensure compliance with credit policies and regulations.
 </li>
 <li>
 Support Credit Committee preparations and approvals.
 </li>
 <li>
 Monitor portfolio performance, identify early warning signals, and suggest risk mitigation measures.
 </li>
 <li>
 Prepare regular credit risk reports, dashboards, and Key Risk Indicators (KRIs).
 </li>
 <li>
 Ensure adherence to Central Bank regulations and assist with ICAAP, IFRS9, and stress testing data.
 </li>
 <li>
 Contribute to credit policy reviews and development of risk models and frameworks.
 </li>
 <li>
 Collaborate with Relationship Managers and business teams to ensure quality credit submissions and compliance.
 </li>
 </ul>
 
 
 
 
 
 Key Requirements
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Accounting, Economics, Business, or related field.
 </li>
 <li>
 1&ndash;5 years&rsquo; experience in Credit Risk or Corporate Credit Analysis - fresh graduates with strong academics may be considered.
 </li>
 <li>
 Strong financial analysis and credit assessment skills.
 </li>
 <li>
 Good understanding of financial statements, ratios, and cash flow analysis.
 </li>
 <li>
 Proficient in MS Excel and PowerPoint; experience with risk systems is a plus.
 </li>
 <li>
 Knowledge of IFRS9, risk rating models, and credit regulations preferred.
 </li>
 <li>
 Detail-oriented with strong analytical and problem-solving skills.
 </li>
 <li>
 Excellent communication and report-writing abilities.
 </li>
 </ul>
 
 
</div>

Credit Risk Analyst (UAEN)

AVI-SPL Middle East

<div>
 
 Job Summary
 
 
 
 
 Long Description
 
 
 
 <ul>
 <li>
 Responsible for an assigned segment of accounts, the Credit &amp; Collections Analyst ensures that customers are contacted and invoices are paid in accordance to terms
 </li>
 <li>
 Maintain accurate and reliable notes in aging workflow report and CMS
 </li>
 <li>
 Understand benchmarks for collection goals and strive to meet or exceed goals on a weekly and monthly basis
 </li>
 <li>
 Confirm customer receipt of high-value invoices via email, phone, or through electronic submission portals and ensure payment is forthcoming in accordance to policy
 </li>
 <li>
 Work with internal and external customers to research and resolve outstanding issues in order to collect payment, process adjustments, or process credits and write-offs as applicable
 </li>
 <li>
 Request tax certificates as needed
 </li>
 <li>
 Coordinate clearance letters or No Objection Certificates (NOCs) as required for payment release
 </li>
 <li>
 Verify and submit invoices through client-specified platforms (e.g., Ariba, Coupa, Oracle iSupplier).
 </li>
 <li>
 Ensure compliance with UAE VAT regulations, including attaching tax-compliant supporting documents.
 </li>
 <li>
 Process credit card payments and set customers up for ACH payments as needed
 </li>
 <li>
 Process monthly account statements
 </li>
 <li>
 Manage collection team emails and hotline calls
 </li>
 <li>
 Familiarity with UAE Wage Protection System (WPS) procedures and local bank clearance practices is a plus
 
 
 </li>
 </ul>
 Perform additional tasks, responsibilities, and projects as needed to support the team and organization, ensuring flexibility in adapting to evolving priorities and objectives.
 
 
 
 Must-Haves
 
 
 
 <ul>
 <li>
 Minimum Bachelor&rsquo;s degree in Accounting, Finance, Business, or related field (High school diploma with strong experience may be considered)
 </li>
 <li>
 Minimum 3 &ndash; 5 years&rsquo; experience in Accounts receivable or business-to-business collections
 </li>
 <li>
 Intermediate/Advanced proficiency in PC/Microsoft applications (Excel, Access, Word,)
 </li>
 <li>
 Proficiency in Microsoft Office applications (Word, Excel, Outlook)
 </li>
 <li>
 Demonstrated experience using pivot tables in Excel
 </li>
 <li>
 Experience operating in a multi-country and/or complex matrix business environment
 
 
 </li>
 </ul>
 
 Nice-To-Haves
 
 
 
 <ul>
 <li>
 Familiarity with GCC or UAE VAT compliance and documentation practices
 </li>
 <li>
 Experience in Construction industry collection is a plus
 </li>
 <li>
 Demonstrate time management skills with attention to detail
 </li>
 <li>
 Detail oriented and capable of analyzing complex financial/operational data
 </li>
 <li>
 Ability to negotiate conflict and maintain constructive working relationships with people at all levels of the organization
 </li>
 <li>
 Self-starter capable of working independently and ensuring to meet deadlines
 </li>
 <li>
 Excellent communication and interpersonal skills, both verbal and written
 </li>
 <li>
 Ability to balance multiple tasks with changing priorities
 </li>
 <li>
 Ability to exercise solid judgment with sound problem-solving and decision-making skills
 </li>
 <li>
 Basic business-level Arabic language skills are an advantage
 
 
 </li>
 </ul>
 
 WHY YOU&rsquo;LL LIKE WORKING HERE
 
 
 
 <ul>
 <li>
 Medical benefits, including dental
 </li>
 <li>
 Paid holidays and PTO
 </li>
 <li>
 Enjoyable and dynamic company culture
 </li>
 <li>
 Training and professional development opportunities
 
 
 </li>
 </ul>
 
 More About Us
 
 
 
 AVI-SPL is an Equal Opportunity/Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity, national origin, age, protected veteran status, disability status, or membership in any other group protected by federal, state, or local law. AVI-SPL is an AA/Disabled/Veteran Protected Employer VEVRAA Federal Contractor.
 
 
 AVI-SPL reserves the right to alter work hours and work location as necessary. Work hours may vary based on client requirements and may include travel to various locations in support of the account.
 
 
 
 Direct Reports
 
 
 
  This position does not have direct reports
 
 
 
 Work Hours
 
 
 
 AVI-SPL reserves the right to alter work hours and work location as deems necessary
</div>

Credit & Collections Analyst

ACIES

Highlight of the engagement opportunity:&sect; Role: Full time role&sect; Number of years of experience expected: 2 to 3 years&sect; Areas of experience preferred: IFRS 9/ Ind AS 109, PD / LGD/ EAD model development and validation, experience with ECL calculation, clarity on the IFRS 9 standard &amp; regulatory asks&sect; Educational qualification expected: UAECA, ACCA (UK), Qualified CA (India)&sect; Additional qualifications/ certifications required: None&sect; Preferable additional certifications: CFA, FRM, MBA, Actuarial&sect; Preferred geography of previous work experience: UAE, other countries in Middle East&sect; Application experience preferable: MS Excel, VBA, Python, R, SASKey responsibility areas:&sect; Independently lead and manage consulting engagements with leading banks, financial institutions, NBFCs, insurance companies and corporates covering areas such as IFRS 9 model development, ECL computation, enhancing the approach to ECL and provisions along with other credit risk areas&sect; Demonstrate knowledge to banking, NBFC, corporate and insurance companies on various loan product and their characteristics including wholesale loans, auto loans, personal loans, mortgage finance, education loans, etc.&sect; Demonstrate knowledge of concepts related to default and recovery rate modelling including roll rate analysis, periodic default rates, statistical methods including regression models, Markov chains, etc.&sect; Lead and drive day-to-day execution of client projects.&sect; Lead hiring and mentoring initiatives to expand and upskill execution and delivery team for engagements&sect; Design and monitor detailed project plans for assigned engagements&sect; Directly report and provide detailed updates to business unit leader for all assigned engagements on an on-going basis&sect; Lead and actively participate in designing proposals, RFP responses and pitches for business development pursuitsKey performance metrics:&sect; Adherence to project delivery timelines&sect; Adherence to the firm&rsquo;s standards for processes and quality&sect; Project profitability&sect; Client feedback&sect; Feedback from counselor and other team membersOther expectations:&sect; An &ldquo;ownership attitude&rdquo; whose passion for solving issues and creating value&sect; Strong analytical and logical skills&sect; Strong business writing and oral communication skills&sect; Collaborative and partnership-oriented and ready to work as a team member.&sect; Demonstrated ownership over deliverables and project engagement.&sect; Ability to handle highly challenging and time-bound projects with a positive mindset.Other important information:&sect; Work permit requirements: Either UAE Citizen or having valid work permit to work in UAE.&sect; Period of engagement: Full time role&sect; Probation period: 6 months&sect; Compensation: Compensation varies depending on the skill, fitment and role played by the person. Compensation discussions will take place post the selection process.&sect; Performance incentives: Typically, all roles at Acies have a performance incentive. Specific aspects will be discussed during the compensation discussion.&sect; Leave: National holidays, sick leaves, maternity and paternity, bereavement and studies vary based on the city and country of engagement.&sect; Other benefits: Other employment benefits including medical insurance will be informed during the compensation discussion.&sect; Career growth for full-time roles: Acies believes in a transparent and data-based performance evaluation system. You are encouraged to clarify any questions you have with respect to career growth with Acies personnel you interact with during the selection process.&sect; Career opportunities for part-time roles: Conversion of part-time roles to full-time roles depends on both performance of the individual and business needs. You are encouraged to ask about the prospects as you interact with Acies personnel during the selection process.&sect; Global mobility: Acies encourages mobility across our offices. Such mobility is, however, subject to business needs and regulations governing immigration and employment in various countries.Selection process:We seek to be transparent during the selection process. While the actual process may vary from the process indicated below, the key steps involved are as follows:&sect; Interview:&sect; There are expected to be at least two rounds of interviews with the Acies team.&sect; Following the above, there are expected to be at least two rounds of interviews with the respective client team.The number of interview rounds may vary depending on the criticality and seniority of the role.&sect; Final discussion on career and compensation: Post final selection, a separate discussion will be set up to discuss compensation and career growth. You are encouraged to seek any clarifications.Preparation required: It is recommended that you prepare the following aspects before the selection process:&sect; Understanding of products / exposures in the financial services industry (Banks / NBFC / Insurance)&sect; Demonstrate knowledge about credit risk modelling, PD, LGD, ECL, etc.&sect; Demonstrate experience of various methodologies used for modelling default rates, credit scores, recovery rates, etc.Job Types: Full-time, Permanent, Contract Contract length: 12 monthsPay: AED72,000.00 - AED96,000.00 per yearAbility to commute/relocate:<ul><li>Dubai: Reliably commute or planning to relocate before starting work (Required)</li></ul>Education:<ul><li>Bachelor's (Required)</li></ul>Experience:<ul><li>Banking or a banking client facing role based consulting: 2 years (Required)</li><li>Credit risk management &amp; modelling: 2 years (Required)</li></ul>Location:<ul><li>Dubai (Required)</li></ul>

Credit Risk Analyst

Yatsudoki Chateraise

As a credit controller, you will administer the credit control function, ensuring all outstanding debts are collected on time. You will be critical in managing our credit and collections processes, ensuring timely payment collection and minimizing credit risks. This also includes setting targets and KPIs and implementing relevant policies and procedures. You will also contribute to maintaining a healthy cash flow and optimizing our financial performance.Key Responsibility:❖ Credit Risk &amp; Assessment<ul><li>Evaluate creditworthiness of new and existing customers.</li><li>Set and monitor customer credit limits in line with company policy.</li><li>Ensure contracts and agreements reflect appropriate payment terms.</li></ul>❖ Collections &amp; Cash Flow<ul><li>Proactively follow up with clients via email, phone, and meetings to ensure timely payments.</li><li>Negotiate payment terms or instalment plans with overdue accounts.</li><li>Coordinate with the Accounts Receivable Accountant to reconcile receipts and update customer accounts.</li><li>Escalate high-risk or overdue accounts to management and recommend legal action/write-offs if necessary.</li></ul>❖ Monitoring &amp; Reporting <ul><li>Maintain and review AR aging reports, highlighting overdue balances.</li><li>Prepare weekly cash collection forecasts for management.</li><li>Provide dashboards and KPIs on debtor days, collection performance, and credit risk exposure.</li><li>Conduct collection review meetings with sales and finance teams.</li></ul>❖ Internal &amp; External Coordination<ul><li>Work closely with the sales and operations team to ensure Customers adhere to agreed payment schedules.</li><li>Support dispute resolution related to invoices, services, or contractual obligations.</li><li>Ensure credit control procedures comply with company policies and UAE legal requirements</li></ul>Job Type: Full-timeApplication Question(s):<ul><li>What is your Salary Expectations? </li><li>What is your Notice Period? </li></ul>Education:<ul><li>Master's (Preferred)</li></ul>Experience:<ul><li>Credit Controller: 4 years (Required)</li></ul>

Senior Credit Controller

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422 credit analyst jobs IN Dubai

Underwriting Credit Analyst - Officer

Junior Credit Analyst

Underwriting Credit Analyst - Officer

Credit Risk Analyst (UAEN)

Credit & Collections Analyst

Credit Risk Analyst

Senior Credit Controller