Credit Analyst Discretionary Lending - First Abu Dhabi Bank - Abu Dhabi, UAE

• Perform detailed credit analysis including review of audited financial statements and preparation of credit proposals
• Support onboarding and monitoring of discretionary lending client portfolios for assigned Relationship Managers
• Maintain high accuracy in financial spreading, analysis quality, and timely turnaround of credit submissions
• Follow up on origination and execution of customer transactions
• Ensure adherence to departmental policies, procedures, and standard operating guidelines
• Demonstrate compliance with organizational values, ethics, and governance standards
• Contribute to continuous improvement initiatives focused on productivity, quality, and cost efficiency
• Prepare timely and accurate statements and management reports as required
• Maintain complete and compliant client documentation and files
• Analyze financial statements, cash flow forecasts, and complex financial data to identify risks and mitigants
• Identify cross-sell opportunities based on client needs and refer to relevant product specialists
• Deliver high-quality client service by responding to client queries professionally and within agreed timelines
• Support improvement of customer service and satisfaction outcomes across portfolios
• Educate clients on bank products, services, and access channels including digital banking options
• Execute approved financial transactions in line with service standards and bank policies
• Assess lending risk in line with the bank's risk appetite while supporting profitability objectives
• Maintain high data quality standards across bank systems and documentation
• Collaborate with internal teams to ensure effective service delivery
• Support achievement of individual and team sales objectives
• Generate internal and external reports for prospect and existing customer reviews
• Perform additional duties as assigned by the line manager

• Propose and recommend decisions in line with the approved authorization matrix
• Operate within Group policies, governance standards, and organizational frameworks

• Bachelor's degree in business administration, finance, banking, or a related discipline
• Minimum 5 years of relevant experience in corporate, commercial, or business banking
• At least 3 years of experience in a similar support or credit-focused role
• Strong financial analysis and credit assessment skills
• Ability to interpret financial statements and cash flow forecasts
• Strong attention to detail and data accuracy
• Good communication and stakeholder coordination skills
• Ability to manage multiple priorities under pressure
• Strong understanding of banking products, credit risk, and compliance processes

• Perform detailed credit analysis including review of audited financial statements and preparation of credit proposals
• Support onboarding and monitoring of discretionary lending client portfolios for assigned Relationship Managers
• Maintain high accuracy in financial spreading, analysis quality, and timely turnaround of credit submissions
• Follow up on origination and execution of customer transactions
• Ensure adherence to departmental policies, procedures, and standard operating guidelines
• Demonstrate compliance with organizational values, ethics, and governance standards
• Contribute to continuous improvement initiatives focused on productivity, quality, and cost efficiency
• Prepare timely and accurate statements and management reports as required
• Maintain complete and compliant client documentation and files
• Analyze financial statements, cash flow forecasts, and complex financial data to identify risks and mitigants
• Identify cross-sell opportunities based on client needs and refer to relevant product specialists
• Deliver high-quality client service by responding to client queries professionally and within agreed timelines
• Support improvement of customer service and satisfaction outcomes across portfolios
• Educate clients on bank products, services, and access channels including digital banking options
• Execute approved financial transactions in line with service standards and bank policies
• Assess lending risk in line with the bank's risk appetite while supporting profitability objectives
• Maintain high data quality standards across bank systems and documentation
• Collaborate with internal teams to ensure effective service delivery
• Support achievement of individual and team sales objectives
• Generate internal and external reports for prospect and existing customer reviews
• Perform additional duties as assigned by the line manager

• Propose and recommend decisions in line with the approved authorization matrix
• Operate within Group policies, governance standards, and organizational frameworks

• Bachelor's degree in business administration, finance, banking, or a related discipline
• Minimum 5 years of relevant experience in corporate, commercial, or business banking
• At least 3 years of experience in a similar support or credit-focused role
• Strong financial analysis and credit assessment skills
• Ability to interpret financial statements and cash flow forecasts
• Strong attention to detail and data accuracy
• Good communication and stakeholder coordination skills
• Ability to manage multiple priorities under pressure
• Strong understanding of banking products, credit risk, and compliance processes

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