Retail Credit Analyst, Sharjah

4 weeks ago


sharjah, United Arab Emirates Sharjah Islamic Bank Full time
Careers for a Changing World of Islamic Banking.Retail Credit Analyst Posted On
23 Feb, 2024 Type
Permanent Job Category
Retail CreditAnalyze customer financial information and assess individual risk, responsible for handling routine credit proposals and making consistent, high-quality underwriting decisions that align with credit policy guidelines. Their main focus is to ensure risk-free credit decisions while meeting processing turnaround time targets. By carefully evaluating customer financial information, the retail credit analyst plays a crucial role in maintaining a high level of credit quality and minimizing risks for the organization KEY ACCOUNTABILITIES: Internal Customer Service SupportMaintain effective communication with colleagues and immediate supervisor regarding related issues.Provide competent, problem-free, and timely service to both internal and external customers.Act as a backup for the Retail Credit Coordinator.Accuracy & TimelinessEnsure high work quality with minimal errors.Make timely and quality credit decisions to meet processing turnaround time targets.Identify and report any fraudulent, forged documents, incorrect information, or suspicious activities for further investigation.Maintain a good quality analysis process and handle proposals in a timely manner.Complete all assigned duties and tasks from the Unit Supervisor.Policy ,Processes and ProceduresEvaluate retail facility applications according to credit policy guidelines.Strictly adhere to credit approval processes and procedures.Interact with department colleagues to identify and initiate process improvements.Ensure all applications pass verification processes and procedures.Maintain strict confidentiality of all accounts, bank products, and policies.Adhere to the bank's retail credit policies, processes, and procedures.Enhance product knowledge and awareness.Team Work SupportCoordinate with associates within the department or other departments/branches to foster a high level of teamwork and deliver quality service to internal customers within the committed turnaround time.Support the department in handling additional activities.Provide regular feedback to the Unit Supervisor and share future plans. KEY SKILLS: Strong communication and written language skills Arabic and English.Knowledge of credit review / Analysis Skill concepts (Preferably).Knowledge of Accounting & Financial Management.Good PC/MS office SkillsGood Team PlayerExperience (1 – 2 Years)University degree in Finance, Accounting, Analytics Language Skills: Strong in both oral and written : 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.#J-18808-Ljbffr

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