Credit Analyst

Position: Credit Analyst

Location: Sharjah, UAE (onsite)

Employment Type: Full-time

Experience Level: Mid-level

⸻

About the Client

Our client is a well-established banking firm located in Sharjah, UAE. They offer a comprehensive suite of banking and financial services—ranging from retail and corporate banking to wealth management—supported by a commitment to innovation, customer centricity, and regional growth. Operating in a dynamic UAE market, the firm emphasizes reliability, tailored financial solutions, and robust regulatory compliance to support both local clients and expanding business enterprises.

About the Role

The Credit Analyst position is a full-time, onsite role based at a leading banking institution in Sharjah, UAE. This mid-level professional role is responsible for conducting comprehensive credit assessments of individuals and organizations, supporting prudent lending decisions, and ensuring compliance with regulatory standards. The position plays a critical part in managing credit risk, maintaining portfolio quality, and contributing to the bank's overall financial stability and growth.

Key Responsibilities

• Perform detailed financial analysis of loan applicants, including individuals, SMEs, and corporate entities, to assess creditworthiness and repayment capacity.
• Prepare thorough credit proposals and risk assessments, incorporating quantitative and qualitative data, and present recommendations to credit committees.
• Analyze financial statements, cash flow projections, and business plans to identify potential risks and opportunities.
• Conduct due diligence on applicants, including background checks, industry analysis, and verification of collateral and supporting documentation.
• Monitor existing loan portfolios, track payment performance, and proactively identify early warning signs of credit deterioration.
• Ensure all credit assessments and documentation comply with UAE Central Bank regulations, internal policies, and international best practices.
• Collaborate closely with relationship managers, risk management, and legal teams to structure appropriate credit facilities and mitigate risk.
• Maintain up-to-date knowledge of local and regional economic trends, industry developments, and regulatory changes impacting credit risk.
• Prepare regular reports and presentations for senior management, highlighting portfolio performance, risk concentrations, and recommendations for action.
• Participate in internal audits, regulatory reviews, and continuous improvement initiatives to enhance credit processes and controls.

Required Experience & Skills

• Proven experience (typically 2-5 years) as a credit analyst or in a similar credit risk assessment role within the banking or financial services sector.
• Strong analytical skills with the ability to interpret complex financial statements, conduct ratio analysis, and evaluate cash flows.
• In-depth understanding of credit risk principles, lending products (including personal, SME, and corporate loans), and collateral evaluation.
• Familiarity with UAE banking regulations, Central Bank guidelines, and local market practices.
• Proficiency in financial modeling, credit scoring techniques, and risk rating methodologies.
• Advanced skills in Microsoft Excel, Word, and PowerPoint; experience with credit analysis software and banking systems is highly advantageous.
• Excellent written and verbal communication skills, with the ability to prepare clear credit reports and present findings to stakeholders.
• Strong attention to detail, organizational skills, and the ability to manage multiple priorities under tight deadlines.
• High level of integrity, professionalism, and discretion in handling confidential information.
• Collaborative mindset with the ability to work effectively in cross-functional teams and contribute to a positive work environment.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field is required.
• Professional certifications such as CFA, FRM, or equivalent are highly regarded and may be preferred.
• Ongoing professional development in credit risk, banking regulations, or financial analysis is advantageous.

Tools & Technologies

• Microsoft Office Suite (Excel, Word, PowerPoint)
• Credit analysis and risk management software (e.g., Moody's Risk Analyst, S&P Capital IQ, or similar)
• Core banking systems and loan origination platforms
• Financial statement analysis tools
• Document management and workflow systems

This Credit Analyst role offers the opportunity to make a significant impact on the bank's lending portfolio and risk management practices. The position provides exposure to a diverse range of clients and industries, fostering professional growth and development within the dynamic banking sector of the UAE. Success in this role is measured by the quality of credit assessments, adherence to regulatory standards, and the ability to support sound lending decisions that drive sustainable business growth.

By applying to this position, you are granting us permission to process your CV and keep your profile on file for consideration for this and future opportunities.