Credit Analyst, Sharjah

Careers for a Changing World of Islamic Banking. Credit Analyst Posted On 15 Jul, 2025 Type Permanent Job Category Retail Banking Job Purpose: The primary objective of this role is to assess and recommend credit proposals under the Business Banking unit, with a strong focus on SME and mid-market clientele. The Credit Analyst will play a pivotal role in supporting the growth of the Business Finance portfolio by ensuring prudent risk assessment, sound credit structuring, and timely decision-making. This role involves close coordination with Relationship Managers (Sales Team), Credit Risk units, Shari’a and Compliance teams, and other internal stakeholders to ensure that all proposals are aligned with the bank’s risk appetite, regulatory requirements, and business strategy. The incumbent is expected to act as a key enabler by providing objective, well-structured, and analytically sound credit recommendations to facilitate business acquisition while safeguarding the bank’s asset quality. In addition to evaluating new financing requests, the analyst will also contribute to portfolio monitoring, periodic reviews, early warning alerts, and support the development of sectoral insights and lending benchmarks. The role demands a balanced approach between business support and risk oversight, and requires a deep understanding of local market dynamics, client segments, and banking regulations. Key Accountabilities: - Conduct end-to-end credit assessment of SME and business banking finance applications including working capital, term loans, trade facilities, and asset-backed lending. - Analyze financial statements, bank statements, cash flow forecasts, and business models to assess creditworthiness. - Ensure compliance with internal credit policies, regulatory frameworks, and Central Bank of UAE guidelines. - Identify key risks and mitigants and clearly articulate them in the credit proposal memo. - Prepare high-quality credit appraisal notes and recommend cases for approval with well-justified risk opinions. - Liaise with Relationship Managers (RMs) and Business Teams to clarify case specifics, validate customer data, and ensure timely turnaround of proposals. - Participate in credit committee discussions and provide insights to support credit decisions. - Monitor approved limits and exposures for early warning signals and ongoing portfolio performance. - Work closely with Risk, Compliance, and Operations teams to ensure seamless processing and post-disbursement control. - Maintain a database of proposals, rejections, and approvals for audit and MIS purposes Qualifications & Experience: - Minimum Qualifications : Bachelor’s degree in Finance, Accounting, Economics, or a related field. (MBA/CFA/CA preferred) - Minimum Experience: 3–5 years of experience in credit analysis or business banking, preferably within the UAE banking sector. - Language Skills : Arabic & English Email address * Sharjah Islamic Bank (SIB) started servicing the society in 1975; providing banking services to individuals and companies. An Amiri decree; released by His Highness Dr. Sheikh Sultan Bin Mohamed Al Qassimi the member of the Supreme Council & Ruler of Sharjah, was issued to launch & green-light the bank expedition. The bank was originally founded as National Bank of Sharjah and was suited the first bank to convert to Islamic Banking in 2002. The revolutionizing from commercial banking to Islamic banking was a significant twist for the bank. Not only were specialized products & services modulated for customers, the banks entire organization was converted to be conventional to Islamic regulations. Now, SIB offers customers a broad range of Sharia'a compliant retail, corporate & investment services through the extensive UAE networks. Thank you for applying An email confirmation link has been sent to your mentioned email ID, please click on the link to complete the form & activate your profile. Notice #J-18808-Ljbffr