Credit Underwriter

Credit Underwriter

**Role : Credit Underwriter**
**Location **:Sharjah

**Role Purpose**:
**Key Accountabilities of the role**
- Examining credit Application for completeness and timeliness of information, noting exceptions for correction.
- Preparation of error free credit docs
- Observing agreed TAT.
- Compliance policies and satisfactory Risk Rating.
- 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.
- Analyze applicant's financial statements and comment on its findings (where required).
- Check customer's status through de-dupes/CBRB.
- Meeting the minimum daily targets assigned by management while maintaining the lowest level of errors as measured by the score card.
- Escalate cases requiring higher DP with full analysis and recommendations to facilitate their decision making
- Demonstrate full and up to date knowledge of ADIB's products, policies and procedures.
- Proactively and continually make and recommend system changes and enhancements, also ensure that all procedures and policies are implemented and being followed in compliance with organization.
- Demonstrate full team spirit and positive attitude.
- Perform any other responsibilities entrusted by ADIB Management from time to time and any other task assigned by Management

**RESULTS REQUIERD**:

- Support business in achieving monthly budget & targets while maintaining highest quality portfolio
- Additional support to business in capturing customers within the acceptable parameters without violating CB regulations.
- Contribute positively in the daily underwriting activities
- Improve communication branches and DSU's as being internal customers
- Compliance of policies & procedures - Comply and perform Key operational controls as required in ADIB's polices & procedures in day to day operations

**Specialist Skills / Technical Knowledge Required for this role**:

- Good credit and analytical skills and knowledge
- Minimum 3 years of practical banking experience preferably in the finance & credit field
- Detailed knowledge of ADIB's Retail Banking credit products & services
- Broad knowledge of ADIB's Retail Credit & Operational Policies & Procedures
- Good Knowledge of UAE banking practices, regulations & risks
- Good communication skills
- Good Computer Skills
- Detailing of the documents
- Strong command of Arabic & English language

Job ID 300002307283832