credit analyst

credit officer

debt collector / credit collector Jobs in Sharjah

debt collector / credit collector

debts collector

debt collector credit collector

Grandseal Building Materials Trading LLC

We GrandSeal Building &amp; Construction Materials is seeking a motivated and detail-oriented Debt Collector / Credit Collector to join our team. This role focuses on managing and collecting outstanding balances related to construction and project-based accounts while maintaining professionalism, compliance, and strong customer service standards.Responsibilities<ul><li>Contact customers via phone, email, and written correspondence to follow up on outstanding payments</li><li>Negotiate payment plans and settlements in line with company policies</li><li>Maintain accurate and up-to-date records of all collection activities</li><li>Ensure compliance with UAE laws, regulations, and company credit control procedures</li><li>Handle payment disputes and provide clear explanations related to construction invoices and accounts</li><li>Coordinate with internal departments such as finance, sales, and projects</li><li>Meet or exceed individual and team collection targets</li><li>Maintain professional, respectful, and ethical communication at all times</li></ul>Qualifications<ul><li>Graduate in related courses (Finance, Accounting, Business Administration, or similar)</li><li>Minimum 2 years of experience in debt collection, credit control, or accounts receivable</li><li>(Construction or contracting industry experience preferred)</li><li>Fluent in English and Arabic (spoken and written)</li><li>Strong negotiation, communication, and problem-solving skills</li><li>Ability to handle difficult conversations professionally</li><li>Proficiency in basic computer applications and accounting/CRM systems</li><li>Strong organizational skills and attention to detail</li></ul>Job Types: Full-time, Permanent

Debt Collector / Credit Collector

ALPHA DEBTS COLLECTIONS

<ul><li>Contact debtors via phone, email, and letters to collect outstanding payments, maintaining a professional and respectful approach.</li><li>Negotiate realistic and mutually beneficial payment plans with clients.</li><li>Maintain accurate records of all communications and transactions for transparency and effective follow-up.</li><li>Assess debtor financial situations to tailor collection strategies and maximize recovery.</li><li>Educate debtors on payment options and the consequences of non-payment while fostering positive relationships.</li><li>Monitor accounts to track payment progress and proactively follow up on overdue balances.</li><li>Collaborate with legal teams as needed to initiate debt recovery while ensuring regulatory compliance.</li><li>Generate reports on collection activities, success rates, and trends to enhance overall strategies.</li><li>Stay updated on industry regulations and best practices to ensure ethical and legal compliance.</li><li>Participate in training programs to continuously enhance skills and adopt new collection techniques.</li></ul>Job Type: Full-time

Debts Collector

Commercial Bank International

<div>
 
 
 Job Purpose:
 
 
 <ol>
 <li>
 To check / comply and obtain / advise the securities/documentation functions for Corporate Banking Group / Remedial Management Department.
 </li>
 <li>
 Liaison with Relationship Officers, Relationship Managers, Senior Relationship Managers, Associate Vice President, Senior Vice President for completion of credit and security documentation and for daily work around activities.
 </li>
 <li>
 Prepare and finalize draft Facility Agreement / Documents to be executed by the customers of Corporate Banking Group / Wholesale Banking / Remedial Department/ Corporate Finance and Financial Institution Group independently.
 </li>
 <li>
 Co-ordinate with the Mortgage Officer of the Bank for perfection of the Mortgage for real estate, plant and machinery, assignment of lease, registration of charge of immovable assets to protect the legal rights of the Bank in the event of default.
 </li>
 <li>
 Liaison with legal department to ensure all the non-standard documents are validated and seek legal opinion on any deviation from standard template of the Bank&rsquo;s documents format.
 </li>
 <li>
 Checking and scrutiny of syndication documents and processing the documentation in liaison with legal to ensure the documents are perfected as advised being CBI Bank being a security agent, facility agent and/ or participant agent Bank in syndication deal.
 </li>
 <li>
 Authorize Release of approved limits (jointly) for implementation in Core Banking System after perfection of documentation / securities, terms and conditions precedent.
 </li>
 <li>
 Monitoring and escalating all exceptions of the documents / deferrals to credit team / business units.
 </li>
 <li>
 Ensure no Breach of Service Level Agreements and Turn Around as per CAD SOP.
 </li>
 <li>
 Ensure all data input and scanning are captured in the Electronic Data Management System with 100% accuracy.
 </li>
 <li>
 Ensure scrutiny of documents are done as per the approval and any deviation or irregularities are reported to Team / Credit.
 </li>
 <li>
 Ensure no deviation from the credit policy of the Bank.
 </li>
 <li>
 To ensure the audit rating for the department is minimum &ldquo;Satisfactory&rdquo;
 </li>
 <li>
 File Management and Archiving old documents/not required documents.
 </li>
 </ol>
 
 
 
 
 Overall job purpose is to ensure documents and collaterals are obtained as per Approval. Ensure all the conditions precedent including internal condition is compiled prior to release of limits. Manage risk and work in efficient manner to execute and process all the transactions/ release of documents/limits for the corporate/business banking and recovery team with NIL errors and ensure that the Bank does not incur financial/operational loss due to non-perfection of documentation due to incorrect authorization of limits / pricing / collaterals / terms and conditions.
 
 
 
 
 
 
 Reports directly to:
 
 
 
 Assistant Manager &ndash; CAD Documentation
 
 
 
 
 
 
 Duties and Responsibilities:
 
 
 <ol>
 <li>
 Release of credit limits as per the approval received from Credit Risk Management after perfection of documents/collaterals.
 </li>
 <li>
 Ensure all collaterals and terms and conditions are captured in all documents / Facility Agreements as per the credit approval for utilization by the borrowers/customers and internal teams of the Bank
 </li>
 <li>
 Monitoring and Reporting of all exceptions e.g. expired documents, expired collaterals, defected documents and deferral documents for providing the renewed documents.
 </li>
 <li>
 Compliance of turn-around time in delivering services to Corporate/Business Banking/Recovery Team
 </li>
 <li>
 To ensure that the approval is within the delegation of the credit matrix and report any breach in delegation to the credit department.
 </li>
 <li>
 Authorize Release of credit limits, monitoring documents, reporting irregularities under EDMS system for all documents and follow up to resolve exceptions.
 </li>
 <li>
 Registration of EMCR with amendments
 </li>
 <li>
 Ensuring Audit Rating for the CAD is always &ldquo;Satisfactory&rdquo;/ Good or Excellent.
 </li>
 <li>
 Monitoring of Covenants an escalation of breach to credit team
 </li>
 <li>
 To ensure the delivery of services is of best in the Bank and implement the Service Level Agreements between CAD/Business Units.
 </li>
 <li>
 To ensure completion of the task below on daily basis for below activities:
 </li>
 </ol>
 
 -Release and authorization of limits (Working Capital Limits, Syndication, Real Estate, Commercial Loans) after perfection of documents.
 
 
 -Ensure no loss to the Bank due to incorrect pricing / service charges/fees
 
 
 -Daily follow-on documentation exception reports
 
 
 -Maintain the file archiving system
 
 
 -Data Input / Scanning of documents for all authorized releases at CIF level
 
 
 -File management for non-required documents to be sent for achieving
 
 
 -File cleanup for old records / not required records.
 
 
 -Update of the CBRB system for all the new customer and modification of existing customers
 
 
 
 
 
 
 Education Level Required:
 
 
 
 
 
 <ul>
 <li>
 Diploma in Banking / Bachelors in Commerce/Business / Accounting and Financial / Credit Risk Management
 </li>
 </ul>
 
 
 
 
 
 Professional / Technical Qualification / Diplomas:
 
 
 
 
 
 <ul>
 <li>
 Banking Diploma
 </li>
 </ul>
 
 
 
 
 
 Experience:
 
 
 
 
 
 <ul>
 <li>
 Qualified experience in a Commercial Bank with excellent knowledge of credit administration job and execution of process for corporate banking / business banking. Good knowledge about operational procedures, risk management, credit reporting and monitoring.
 </li>
 </ul>
 
 
 
 
 
 Specialist Skills Required for the Job:
 
 
 
 
 
 <ul>
 <li>
 Understanding of Credit process / Manuals
 </li>
 <li>
 Analytical and good product knowledge regarding the working capital limits, corporate loans, real estate loans
 </li>
 <li>
 Knowledge about UAE Central Bank&rsquo;s regulatory requirements
 </li>
 <li>
 Negotiation and convincing skills
 </li>
 <li>
 Adequate oral and written communication skills
 </li>
 </ul>
 
 
</div>

Credit Officer

ADIB - Abu Dhabi Islamic Bank

<div>
 
 
 
 Role: Credit Analyst
 
 
 
 Location: Abu Dhabi/Sharjah
 
 
 
 
 Role purpose:
 
 
 
 Provide full support to branches and DSU&rsquo;s by reviewing and processing proposed finance applications in a timely fashion and within approved polices&nbsp;
 
 &nbsp;&nbsp;&nbsp;&nbsp;
 
 
 Key accountabilities of the role:
 
 &nbsp;&nbsp;
 
 
 
 <li>
 Examining credit Application for completeness and timeliness of information, noting exceptions for correction.
 <ul>
 <li>
 Preparation of error free credit docs
 </li>
 <li>
 Vigilance in applying de-dupes
 </li>
 <li>
 Observing agreed TAT.
 </li>
 <li>
 &nbsp;Compliance policies and satisfactory Risk&nbsp;Rating.
 </li>
 </ul>
 </li>
 <li>
 Analyze Bank Statements so as assess its genuineness, continuity, business turnovers, cheque returns, average balances and to observe if there is any chance of artificial fabrication of such statements.
 </li>
 <li>
 Analyze applicant&rsquo;s financial statements and comment on its findings (where required).
 </li>
 <li>
 &nbsp;Check customer&rsquo;s status through de-dupes/CBRB.
 </li>
 <li>
 Meeting the minimum daily targets assigned by management while maintaining the lowest level of errors as measured by the score card.&nbsp;
 </li>
 <li>
 Escalate cases requiring higher DP with full analysis and recommendations to facilitate their decision making&nbsp;
 </li>
 <li>
 Demonstrate full and up to date knowledge of ADIB&rsquo;s products, policies and procedures.&nbsp;
 </li>
 <li>
 Proactively and continually make and recommend system changes and enhancements, also&nbsp;ensure that all procedures and policies are implemented and being followed in compliance with organization.
 </li>
 <li>
 Demonstrate full team spirit and positive attitude.
 </li>
 <li>
 Perform any other responsibilities entrusted by ADIB Management from time to time and any other task assigned by Management
 </li>
 
 
 
 
 
 Results required:
 
 
 
 <ul>
 <li>
 Support business in achieving monthly budget &amp; targets while maintaining highest quality portfolio
 </li>
 <li>
 Additional support to business in capturing customers within the acceptable parameters without violating CB regulations.&nbsp;
 </li>
 <li>
 Contribute positively to the daily underwriting activities&nbsp;
 </li>
 <li>
 Improve communication branches and DSU&rsquo;s as being internal customers
 </li>
 <li>
 Provide constructive comments and feedback on proposed finance applications&nbsp;
 </li>
 <li>
 Compliance of policies &amp; procedures &ndash; Comply and perform Key operational controls as required in ADIB&rsquo;s polices &amp; procedures in day-to-day operations.
 </li>
 </ul>
 
 
 
 Specialist skills / technical knowledge required for this role:
 
 
 
 <ul>
 <li>
 Good credit and analytical skills and knowledge&nbsp;
 </li>
 <li>
 Minimum 3 years of practical banking experience preferably in the finance &amp; credit field&nbsp;
 </li>
 <li>
 Detailed knowledge of ADIB&rsquo;s Retail Banking credit products &amp; services
 </li>
 <li>
 Broad knowledge of ADIB&rsquo;s Retail Credit &amp; Operational Policies &amp; Procedures
 </li>
 <li>
 Good Knowledge of UAE banking practices, regulations &amp; risks
 </li>
 <li>
 Good communication skills
 </li>
 <li>
 Good Computer Skills
 </li>
 </ul>
</div>

Credit Analyst

Tabasco

Job Description: Finance ManagerIndustry: Manpower Supply / Staffing / Outsourcing Location: UAEJob PurposeThe Finance Manager is responsible for overall financial management, control, and compliance of the manpower supply business. This role ensures timely payroll &amp; WPS processing, strong cash-flow management, accurate financial reporting, statutory compliance, and supports management in decision-making to maintain profitability and business sustainability.Key Responsibilities1. Financial Planning, Control &amp; Reporting<ul><li>Prepare and monitor annual budgets, forecasts, and cash-flow projections.</li><li>Produce monthly MIS reports covering P&amp;L, balance sheet, cash flow, and site-wise profitability.</li><li>Analyze variances between budgeted and actual results and recommend corrective actions.</li><li>Ensure accurate and timely month-end and year-end closings.</li><li>Support management with financial insights for pricing, margin improvement, and cost control.</li></ul>2. Payroll, WPS &amp; Employee Cost Management<ul><li>Oversee payroll processing for manpower workforce ensuring accuracy and timeliness.</li><li>Ensure full compliance with UAE WPS regulations and salary protection requirements.</li><li>Monitor overtime, allowances, deductions, and leave settlements.</li><li>Coordinate with HR and operations to reconcile attendance, timesheets, and payroll costs.</li><li>Manage gratuity provisioning and end-of-service benefits.</li></ul>3. Accounts Receivable &amp; Credit Control<ul><li>Oversee invoicing and ensure alignment with client contracts, timesheets, and rates.</li><li>Supervise credit control and collection activities to maintain healthy cash flow.</li><li>Monitor aging reports, approve credit limits, and manage client payment terms.</li><li>Escalate and resolve major payment delays and disputes with clients.</li><li>Ensure receivables exposure is controlled against payroll and operational commitments.</li><li>Continuously track security cheque coverage in relation to outstanding balances and take appropriate preventive measures where receivables exceed secured limits to avoid potential legal exposure.</li></ul>4. Accounts Payable &amp; Cost Management<ul><li>Manage supplier payments, subcontractors, accommodation, transport, and camp-related expenses.</li><li>Ensure payments are made on time to avoid operational disruption.</li><li>Negotiate better terms with vendors where possible.</li><li>Monitor fixed and variable operational costs to protect margins.</li></ul>5. Compliance, Audit &amp; Statutory Obligations<ul><li>Ensure compliance with UAE VAT regulations, including VAT filings and reconciliations.</li><li>Liaise with external auditors for annual audits and ensure clean audit reports.</li><li>Coordinate with banks, tax consultants, and regulatory authorities as required.</li><li>Ensure compliance with UAE Labour Law financial obligations.</li><li>Maintain proper financial documentation for inspections and audits.</li></ul>6. Contract Pricing &amp; Commercial Support<ul><li>Support management and sales teams with manpower costing, pricing models, and margin analysis.</li><li>Review commercial terms in manpower supply contracts (payment terms, penalties, retention).</li><li>Ensure pricing adequately covers payroll, overheads, statutory costs, and risk.</li><li>Advise on financial risks in new contracts or expansions.</li></ul>7. Systems, Controls &amp; Process Improvement<ul><li>Implement and strengthen internal financial controls.</li><li>Ensure proper segregation of duties and approval limits.</li><li>Optimize use of ERP / accounting systems (Tally, SAP, Zoho, Oracle, etc.).</li><li>Improve automation of payroll, billing, and receivable tracking.</li><li>Develop SOPs for finance and accounts functions.</li></ul>8. Team Leadership &amp; Coordination<ul><li>Lead and manage finance and accounts team members.</li><li>Train team on compliance, reporting, and best practices.</li><li>Coordinate closely with Operations, HR, Recruitment, and Credit Control teams.</li><li>Ensure smooth inter-departmental workflows</li></ul>Qualifications<ul><li>Bachelor&rsquo;s degree in: Accounting/ Finance/ Commerce/ Business Administration (Finance), MBA (Finance) - Nice to have</li><li>6 to 9 years of total finance &amp; accounts experience. Minimum 3&ndash;5 years in UAE</li><li>Required experience in Manpower Supply / Staffing / Contracting/ Constructions/ Engineering OR similar payroll-heavy business</li><li>End-to-end payroll &amp; WPS processing</li><li>UAE VAT filing &amp; reconciliation</li><li>Manpower invoicing based on timesheets</li><li>Receivables &amp; credit control follow-ups</li><li>Payroll provisioning (gratuity, leave salary)</li><li>Month-end closing &amp; MIS reporting</li><li>Strong working knowledge of ERP</li><li>Advanced Excel (pivot tables, lookups, reconciliations)</li></ul>Job Types: Full-time, PermanentPay: AED8,000.00 - AED9,000.00 per month

Finance Manager

Al Maha steel works

<ul><li>Manage accounts payable and ensure timely payments to vendors.</li><li>Prepare and issue invoices , statement of account , credit notes , debit notes accurately using zoho software .</li><li>Handle VAT filing , corporate tax and ensure compliance with UAE regulations.</li><li>Maintain accurate financial records and assist with monthly, quarterly, and annual reporting.</li><li>Perform administrative tasks related to accounting operations.</li><li>Operate efficiently within Zoho Accounting.</li></ul>Job Type: Full-timePay: AED1,800.00 - AED2,000.00 per monthAbility to commute/relocate:<ul><li>Sharjah: Reliably commute or planning to relocate before starting work (Required)</li></ul>

Accountant with zoho experience

Al Marwan Real Estate

We&rsquo;re Hiring: Trade Finance Specialist (LC &amp; LG)Industry: Construction / Contracting Employment Type: Full-time Location: U.A.ERole ScopeThe Trade Finance Specialist will manage and execute all trade finance activities related to Letters of Credit (LCs) and Letters of Guarantee (LGs) for the construction company and its group entities. The role ensures timely issuance, amendment, and settlement of trade finance instruments while maintaining full compliance with regulatory requirements and internal policies.Key Responsibilities Trade Finance Operations<ul><li>Prepare, review, and process LCs and LGs in compliance with UCP 600, ISP 98, and URDG 758 standards.</li><li>Coordinate with banks for issuance, amendments, cancellations, and closures of trade finance instruments.</li><li>Ensure accuracy and completeness of all documentation submitted to banks.</li><li>Track LC and LG validity periods and ensure timely renewals or closures.</li></ul>Treasury Coordination<ul><li>Liaise with internal stakeholders including procurement, legal, contracts, and project teams to align trade finance instruments with project requirements.</li><li>Ensure trade finance transactions align with treasury strategies and cash flow planning.</li><li>Monitor bank exposure limits and support optimization of banking facilities.</li><li>Maintain up-to-date records of all trade finance instruments and their utilization status.</li></ul>Risk &amp; Compliance<ul><li>Ensure compliance with internal policies, legal frameworks, and international trade regulations.</li><li>Identify and analyze trade finance risks and recommend mitigation measures.</li><li>Support internal and external audits by providing required documentation and reports.</li></ul>Reporting<ul><li>Prepare periodic reports on LC and LG utilization, expiries, and forecasts.</li><li>Assist in preparing treasury dashboards and bank facility utilization reports.</li></ul>Key Interfaces<ul><li>Banks and financial institutions</li><li>Procurement and contracts teams</li><li>Project management teams</li><li>Legal and compliance departments</li><li>External auditors</li></ul>Required Skills &amp; Qualifications<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Economics, or a related field (Master&rsquo;s degree or trade finance certification is an advantage).</li><li>5+ years of experience in trade finance, specifically handling LCs and LGs, preferably within a construction or contracting company.</li><li>Strong knowledge of UCP 600, URDG 758, and ISP 98.</li><li>Experience working with local and international banks.</li><li>Good understanding of treasury functions and cash management.</li></ul>Key Skills<ul><li>Strong attention to detail and analytical skills</li><li>Effective communication and negotiation abilities</li><li>Proficiency in MS Excel and financial systems (ERP experience is a plus)</li><li>Strong organizational and multitasking skills</li><li>Familiarity with banking platforms and trade finance tools</li></ul>Preferred Certifications (Optional)<ul><li>CDCS &ndash; Certified Documentary Credit Specialist</li><li>CITF &ndash; Certificate in International Trade and Finance</li><li>CTP &ndash; Certified Treasury Professional</li></ul>Job Types: Full-time, Permanent

Trade Finance Specialist

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