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Credit Analyst &ndash; Join Our TeamLocation: Dubai, UAE Company: Fintrek Marketing Website: www.fintrekmarketing.com Email: preethij.c@fintrekmarketing.com Salary: Up to AED 5,000 (based on experience)About the RoleFintrek Marketing is seeking an experienced Credit Analyst to join our growing team in Dubai. The ideal candidate will have a strong background in financial analysis, credit policies, and documentation requirements, with at least one year of UAE experience in the role.Key Responsibilities<ul><li>Evaluate credit applications and financial documents to determine eligibility.</li><li>Analyze applicant financial data, credit history, and risk factors.</li><li>Ensure compliance with credit policies and regulatory requirements.</li><li>Prepare accurate reports and recommendations for approval or rejection.</li><li>Work closely with internal teams to ensure smooth processing of applications.</li><li>Maintain accurate documentation and records of all credit processes.</li></ul>Requirements<ul><li>Minimum 1 year of UAE experience as a Credit Analyst / Processor (mandatory).</li><li>Strong knowledge of credit policies, financial analysis, and documentation.</li><li>Good understanding of the UAE banking and financial industry.</li><li>Excellent communication and interpersonal skills.</li><li>Proficient in MS Office and basic financial tools.</li><li>Strong attention to detail, accuracy, and time management skills.</li></ul>What We Offer<ul><li>Salary up to AED 5,000 (based on candidate experience).</li><li>Professional and supportive work environment.</li><li>Opportunities for career growth in the financial services sector.</li></ul>To apply, send your CV to: preethij.c@fintrekmarketing.com Learn more at: www.fintrekmarketing.comJob Types: Full-time, PermanentPay: Up to AED5,000.00 per month

Credit Analyst

Galaxy Prime Mortgage Brokers LLC

URGENT HIRING!!!Role DescriptionThe Business Support / Credit Analyst is a full-time on-site position for the company based in Dubai, United Arab Emirates. This position plays a critical role within the mortgage company, providing essential support in credit risk analysis, loan processing, and operational efficiency.Responsibilities<ul><li>Review and assess mortgage applications including income verification, credit reports, bank statements, and property appraisals.</li><li>Analyze borrower financial documents (e.g. salary slips, tax returns, audited accounts) to determine affordability and repayment capacity.</li><li>Evaluate loan-to-value (LTV) ratios, debt-to-income (DTI) ratios, and other risk metrics.</li><li>Conduct credit risk assessments in line with company lending criteria and UAE Central Bank (or applicable) regulations.</li><li>Collaborate with brokers and clients to obtain missing or additional documentation when needed.</li><li>Prepare detailed credit memos/reports with recommendations for approval, decline, or modification.</li><li>Liaise with banks, lenders, and financial institutions for application submissions and follow-ups.</li><li>Stay current with regulatory guidelines, market conditions, and lending products.</li><li>Support the compliance and operations teams with audits and reporting as required.</li><li>Maintain accurate records of all underwriting decisions and client documentation.</li></ul>Qualifications<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, or a related field.</li><li>2&ndash;5 years of experience in credit underwriting, mortgage analysis, or financial services.</li><li>Strong understanding of mortgage lending processes, property financing, and banking products.</li></ul>Job Types: Full-time, PermanentPay: AED5,000.00 - AED8,000.00 per month

Credit Analyst/Business Support

Deem Finance

<div>
 
 
 Strategic Leadership and Digital Credit Transformation
 
 
 <ul>
 <li>
 Define and lead the bank&rsquo;s digital credit risk strategy, focusing on scalable, automated, and data-driven underwriting systems.
 </li>
 <li>
 Design and refine digital underwriting frameworks and scoring models across products, embedding them into end-to-end digital journeys.
 </li>
 <li>
 Implement rule-based decision engines and AI-driven risk assessments to support real-time approvals and risk-based pricing.
 </li>
 <li>
 Collaborate with IT and product teams to build API-based ecosystems that integrate credit bureaus, identity verification services, bank statement readers, and alternate data sources.
 </li>
 <li>
 Establish credit risk architecture for mobile apps, digital onboarding, and straight-through processing platforms.
 </li>
 </ul>
 
 
 Credit Policy, Governance, and Regulatory Compliance
 
 
 <ul>
 <li>
 Develop and maintain robust credit policies, product-specific underwriting criteria, and risk frameworks aligned with Central Bank and internal governance standards.
 </li>
 <li>
 Monitor credit performance by segment (personal loans, credit cards, SME), ensuring adherence to limits, exposure, and thresholds.
 </li>
 <li>
 Serve as the main point of contact for regulatory bodies during credit audits and inspections.
 </li>
 <li>
 Ensure KYC, AML, and FATCA-related risks are controlled during the credit origination and review stages.
 </li>
 </ul>
 
 
 Credit Operations and Underwriting Oversight
 
 
 <ul>
 <li>
 Oversee the performance and structure of underwriting teams including Team Leader Underwriters and Underwriters.
 </li>
 <li>
 Drive productivity through digitized workflows, performance dashboards, and process automation.
 </li>
 <li>
 Approve complex and exception-based cases that fall outside automated decision criteria.
 </li>
 <li>
 Optimize operating models to manage both high-volume retail products and higher-risk SME accounts.
 </li>
 </ul>
 
 
 Portfolio Management and Risk Monitoring
 
 
 <ul>
 <li>
 Lead ongoing monitoring and review of portfolio performance using data analytics, portfolio segmentation, and scorecard tracking.
 </li>
 <li>
 Conduct risk reviews and trend analysis to identify early warning signals and take preventive action.
 </li>
 <li>
 Design and execute stress tests and simulations for adverse macroeconomic scenarios or sectoral shocks.
 </li>
 <li>
 Maintain dynamic risk appetite statements and exposure limits based on internal and external triggers.
 </li>
 </ul>
 
 
 Innovation, Product Risk &amp; Credit Enablement
 
 
 <ul>
 <li>
 Collaborate with the Product and Growth teams to ensure credit products are risk-aligned from the design stage.
 </li>
 <li>
 Support digital product launches by predefining acceptable credit parameters, pricing bands, and automated decision rules.
 </li>
 <li>
 Continuously evaluate market trends, competitor offerings, and alternative lending innovations to improve the bank&rsquo;s credit risk posture.
 </li>
 <li>
 Work closely with fintech partners, credit bureaus, and third-party vendors to build credit intelligence capabilities.
 </li>
 </ul>
 
 
 Credit Review and Obligors Oversight
 
 
 <ul>
 <li>
 Annual individual obligor reviews (Wholesale) and portfolio reviews (Retail).
 </li>
 <li>
 Trigger events for risk rating updates and policy amendments.
 </li>
 <li>
 Clear documentation for credit decisions and delegation matrix for approvals.
 </li>
 </ul>
 
 
 Exception Management
 
 
 <ul>
 <li>
 Requirement to justify exceptions or deviations in writing.
 </li>
 <li>
 Process for referring exceptions to CRO for review while maintaining CCO&rsquo;s decision-making autonomy.
 </li>
 <li>
 Collaboration with CRO when a proposal breaches risk appetite.
 </li>
 </ul>
 
 
 Regulatory Oversight
 
 
 <ul>
 <li>
 Clear expectation of compliance with UAE Central Bank regulations, Basel norms, and audit readiness.
 </li>
 <li>
 Role in regulatory inspections, audits, and supporting full transparency.
 </li>
 </ul>
 
 
 
 
 
 Team Development and Leadership
 
 
 <ul>
 <li>
 Lead and mentor the credit underwriting leadership team to foster high performance, accountability, and knowledge growth.
 </li>
 <li>
 Identify training needs related to digital credit analytics, fraud detection, and behavioral underwriting.
 </li>
 <li>
 Build a talent pipeline that combines traditional underwriting expertise with data analytics and digital fluency.
 </li>
 </ul>
 
 Encourage a culture of agility, continuous improvement, and cross-functional collaboration
 
 
 
 
 
 
 Role Specifications
 
 
 
 Education
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Business Administration, Risk Management, Economics, or a related field (Mandatory)
 </li>
 <li>
 MBA or Master&rsquo;s in Risk Management or Financial Engineering preferred
 </li>
 <li>
 Professional certifications such as FRM, CFA, or equivalent are highly desirable
 </li>
 <li>
 In depth knowledge in Basel standards and internal credit review frameworks.
 </li>
 </ul>
 
 
</div>

Chief Credit Officer

Emirates Islamic

<div>To comply with country regulations, we are looking for UAE talent to fill this role.
Job Responsibility:
The primary purpose of this job is to assist Relationship Manager in
<ul><li>Preparing credit proposals and all related activities including spreads, contact clients for collection of documents and information.
</li><li>Managing the portfolio by ensuring execution of documentations and follow up for utilization of limits.
</li><li>Acting as a surrogate for the RM on a constant basis including daily transactions, past dues management and general management of account.
</li><li>Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
</li>Closely work with the Relationship Manager from the origination &amp; play a vital role in deal structuring to add good value from a credit/policy perspective. 
<li>
</li></ul>Job Skills &amp; Qualifications:
<ul><li>Relevant education with minimum of Bachelors&rsquo; Degree
</li>Atleast 2 years of SME / Corporate Credit Analysis experience 
<li>
</li></ul>What we offer you:
<ul><li>Competitive salary package
</li><li>Strong emphasis on work-life balance and wellbeing across the bank
</li><li>World-class Learning &amp; Development platform and career development
</li><li>Generous annual leave entitlement and Private Healthcare
</li><li>Preferential banking facilities for employees</li></ul></div>

Assistant Relationship Manager - Business Banking (UAE Nationals Only)

First Abu Dhabi Bank

<div>Company Description 
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. 
Job Description 
JOB PURPOSE:
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.
KEY ACCOUNTABILITIES:
Generic Accountability<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>
Job Specific Accountabilities<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> 

Qualifications 
Minimum Qualification<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>
Minimum Experience &amp; Skill Set<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

Emirates NBD

<div>About ENBD
Emirates NBD is a market leader across the MENAT (Middle East, North Africa and T&uuml;rkiye) region with a presence in 13 countries, serving over 20 million customers. The Emirates NBD Group has a total of 853 branches and 4,213 ATMs / SDMs. Emirates NBD is the leading financial services brand in the UAE with a Brand value of USD 3.89 billion. At the bank, we serve our customers and help them realise their financial objectives through a range of banking products and services including retail banking, corporate &amp; institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations. We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate Liv, the lifestyle digital bank by Emirates NBD. With close to half a million users, it continues to be the fastest-growing digital bank in the region.
Job Overview
The Senior Analyst (Fixed Income) is responsible for conducting in-depth credit research and analysis on various asset classes to support investment decisions within the Asset Management division. This role requires advanced analytical skills to evaluate creditworthiness, strategic thinking to provide insights and recommendations, and excellent communication skills to present findings to internal stakeholders. The Senior Analyst plays a critical role in ensuring that the Asset Management division makes informed and sound investment decisions.
Key Responsibilities
<ul><li>Conduct comprehensive credit research on various asset classes, including corporate bonds, sovereign debt, and structured products.
</li><li>Evaluate creditworthiness and assess the risk profiles of potential investments.
</li><li>Monitor market trends and economic indicators to provide timely and relevant analysis.
</li><li>Prepare detailed research reports and presentations for the investment team.
</li><li>Provide strategic insights and recommendations to the investment team based on credit research findings.
</li><li>Participate in investment committee meetings, presenting research findings and contributing to investment decisions.
</li><li>Collaborate with portfolio managers across asset classes to align top-down and bottom-up research with investment strategies.
</li><li>Track the performance of investments and adjust research focus as needed.
</li><li>Communicate research findings and credit analysis to internal stakeholders, including portfolio managers and senior management.
</li><li>Collaborate with other analysts and researchers to share insights and improve research quality.
</li><li>Provide updates on market conditions and potential risks to the investment team.
</li><li>Participate in cross-functional projects and initiatives to support the Asset Management division.
</li><li>Stay updated on industry trends, market developments, and regulatory changes affecting credit markets.
</li><li>Participate in training and development programs to enhance research and analytical skills.
</li><li>Contribute to the continuous improvement of research methodologies and tools.
</li><li>Share knowledge and insights with the broader team to support collective learning.
</li></ul>Skills and Experience
<ul><li>MBA in Finance, Economics, Business Administration, or a related field. Advanced degrees or certifications such as CFA are preferred.
</li><li>Proven experience in credit research, financial analysis, or asset management, with a focus on evaluating credit risk and supporting investment decisions.
</li><li>Advanced analytical and research skills.
</li><li>Intermediate or advanced proficiency in python
</li><li>In-depth knowledge of credit markets and financial instruments.
</li><li>Excellent communication and presentation abilities.
</li><li>Proficiency in financial analysis tools and software.
</li><li>Ability to work independently and as part of a collaborative team.
</li></ul>What we offer you
<ul><li>Competitive salary package
</li><li>Strong emphasis on work/life balance
</li><li>Generous annual leave entitlement and Private Healthcare
</li><li>World-class Learning &amp; Development platform and career development
</li><li>Preferential banking facilities for employees
</li></ul>Why Join Us
We aspire to be an employee&rsquo;s employer of choice. We believe, we can help you realize your true potential by providing the right opportunities. At ENBD we are reimagining the future of work so that you can unlock your potential, every day we want to ensure, every employee can exceed in the future of work by upskilling, building new digital skills and knowledge. Our goal is to empower our employees to build a career experiences and skills they need in the future and that will produce a great outcome for our bank as well, we want our employees no matter their background, location, preferences to feel engaged to one ENBD team.
At ENBD, we encourage interested candidates to review the key responsibilities and qualifications for each role and apply for any positions that match their skills and capabilities. ENBD is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment, however due to high volume of applicants only SHORTLISTED candidates will be contacted. &ldquo;</div>

Senior Analyst

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1118 credit risk analyst jobs IN Dubai

Credit Analyst

Credit Analyst/Business Support

Chief Credit Officer

Assistant Relationship Manager - Business Banking (UAE Nationals Only)

AVP & Lead- Credit Management

Senior Analyst

Senior Analyst