27 Credit Analyst jobs in the United Arab Emirates

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.

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Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis for Citi Corporate Clients and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews.
**Key Responsibilities:**
+ Assess the credit and financial strength of Citi's Corporate Clients based in Middle East and North Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
+ Complete Credit Analysis Write-up Memos and assign internal ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
+ Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Senior Underwriters, Risk and Banking partners
+ Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
**Knowledge/Experience:**
+ Demonstrable financial services experience, including 0-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience. We also encourage fresher to apply.
+ Ability to understand Citi policies and procedures with the ability to execute change seamlessly.
+ Intermediate analytical skills, including an understanding of key financial components like liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issues
**Skills/Competencies:**
+ Assists colleagues in identifying stretch opportunities to elevate individual and team performance
+ Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
+ Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
+ Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
+ Microsoft Office (Word, Excel, and PowerPoint) skills
**Language:**
English - Read, Write and Speak
French - Read, Write and Speak
**Qualifications:**
+ BA/BSc or higher degree in Business (MBA), or any other related subject
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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**Job Family Group:**
Risk Management
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**Job Family:**
Credit Risk
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**Time Type:**
Full time
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**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
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**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
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_Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._
_If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi ( _._
_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Dubai, United Arab Emirates | Posted on 08/13/2025

Yubi stands for ubiquitous. But Yubi will also stand for transparency, collaboration, and the power of possibility.

From being a disruptor in India’s debt market to marching towards global corporate markets from one product to one holistic product suite with seven products

Yubi is the place to unleash potential. Freedom, not fear. Avenues, not roadblocks. Opportunity, not obstacles.

Job Description

Key Responsibilities:

Credit Evaluation: Analyse applicants' financial information, credit history, and other relevant data to assess their creditworthiness for loan applications.

Risk Assessment: Identify and evaluate potential risks associated with loan approvals and recommend appropriate actions.

Data Analysis: Utilize advanced analytics to interpret data trends and insights, providing actionable recommendations to improve loan performance.

Reporting: Prepare comprehensive credit analysis reports for internal stakeholders, highlighting key findings and recommendations.

Collaboration: Work closely with sales teams to understand customer profiles and ensure alignment with credit policies.

Policy Compliance: Ensure adherence to company credit policies and regulatory requirements, updating them as necessary based on market changes.

Client Interaction: Communicate effectively with clients regarding credit decisions and provide guidance on improving credit profiles when needed.

Continuous Improvement: Stay updated on industry trends, emerging risks, and best practices in credit analysis to enhance processes and methodologies.

Qualifications :

Bachelor’s/Master’s degree in Finance, Business, Economics, or a related field.

Proven experience in credit analysis, preferably in a fintech or banking environment.

Strong understanding of credit scoring models and risk assessment methodologies.

Proficiency in data analysis tools and software (e.g., Excel, SQL, Tableau).

Excellent analytical and problem-solving skills.

Strong communication and interpersonal skills, with the ability to convey complex information clearly.

Detail-oriented with strong organizational skills and the ability to manage multiple tasks.

Preferred Qualifications:

Experience with SME lending, Business loans etc.

Familiarity with regulatory frameworks governing lending practices.

Professional certifications (e.g., CFA, FRM) are a plus.

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Job Title : Credit Administration Analyst – Banking (Arabic Document Review)

Type : Contract (3–4 months project)

Start Date : (Specify if known)

About the Role :

We are seeking 2–3 experienced professionals to support a potential project within a Banking Credit Administration function. The role will involve credit data remediation, reviewing credit / collateral documents, and ensuring compliance with internal processes and policies.

Key Responsibilities :

• Review and validate credit, collateral, and associated banking documents.
• Identify and classify relevant credit documentation in line with credit administration standards.
• Support credit data remediation activities to ensure accuracy and completeness of credit files.
• Read, interpret, and verify Arabic-language documents as part of the process.
• Collaborate with internal teams to resolve discrepancies and ensure smooth workflow.

Skills & Experience Required :

• Proven experience working within a banking Credit Administration department.
• Strong understanding of credit functions, processes, and documentation requirements.
• Expertise in identifying credit / collateral and associated documents.
• Ability to read and interpret Arabic documents.
• Experience with credit data remediation projects.

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Easy Job Titles You Can Apply For

• Credit Analyst
• Junior Credit Analyst
• Senior Credit Analyst
• Risk Analyst – Banking
• Financial Credit Specialist
• Credit Risk Officer
• Corporate Credit Analyst

Requirements for Credit Analyst Jobs in Dubai

To secure credit analyst careers Dubai, candidates should meet certain educational and professional requirements.

• Education: Bachelor’s degree in Finance, Accounting, Economics, or Business Administration. A Master’s degree or MBA is often preferred.
• Certifications: Professional certifications such as CFA (Chartered Financial Analyst), FRM (Financial Risk Manager), or CPA (Certified Public Accountant) are advantageous.
• Experience: Entry-level jobs may require 1–2 years of experience, while senior roles demand 5–7 years of banking or finance background.
• Skills: Strong analytical thinking, financial modeling, risk assessment, and report writing. Advanced proficiency in Excel and financial software is required.
• Languages: English fluency is mandatory, while Arabic is an added benefit.
• Documents Needed: Updated CV, academic transcripts, professional certifications, passport, and reference letters.

Salary & Benefits

• Working as a credit analyst in Dubai offers competitive salaries along with a range of benefits.
• Monthly Salary: AED 12,000 – AED 28,000 (USD 3,200 – USD 7,600), depending on experience and company size.
• Annual Bonus: Performance-based bonuses and profit-sharing opportunities.
• Visa Sponsorship: Most employers provide full visa sponsorship, including renewal support.
• Housing Allowance: Some companies offer accommodation support or housing stipends.
• Healthcare Coverage: Comprehensive medical insurance for employees and dependents.
• Annual Leave: 30 days paid leave with return air tickets to the home country.
• Career Development: Training programs, mentorship, and opportunities to work with multinational corporations and banks.

With tax-free income, credit analyst careers in Dubai are highly rewarding and provide excellent financial stability.

How to Apply: Credit Analyst Careers Dubai

If you are looking for credit analyst careers Dubai with visa sponsorship, applying through the right channels is crucial.

Steps to Apply:

• Update Your CV with relevant financial analysis, risk management, and banking experience.
• Prepare Supporting Documents such as certifications, academic records, and a strong cover letter.
• Apply directly through company websites, leading recruitment agencies, or platforms like LinkedIn, Bayt, and GulfTalent.
• Prepare for technical assessments and interviews that may include case studies or financial scenario analysis.
• Once selected, employers will guide you through visa sponsorship and relocation processes.

There is no external link available here for application.

Conclusion

The demand for credit analyst careers Dubai with visa sponsorship is rising steadily in 2025. With excellent salary packages, comprehensive benefits, and opportunities to grow within multinational firms, this role is one of the most promising in the financial sector. Whether you are a fresh graduate with strong financial skills or an experienced analyst seeking international exposure, Dubai offers the perfect platform to advance your career in credit risk and financial analysis.

FAQ

Q1: Can fresh graduates apply for credit analyst jobs in Dubai? Yes, many firms hire junior credit analysts with 1–2 years of experience or strong academic credentials.

Q2: Do companies provide visa sponsorship? Yes, most banking and finance firms in Dubai offer full visa sponsorship for international hires.

Q3: What is the average salary for a credit analyst in Dubai? Salaries range between AED 12,000 – AED 28,000 per month, depending on seniority and qualifications.

Q4: Which certifications improve job prospects? Certifications like CFA, FRM, or CPA can significantly enhance your chances of securing top positions.

Also Apply:

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Analyst - Credit Documentation and Administration

Date: Sep 30, 2025

Embark on a journey where your unique contributions are celebrated, and your professional growth is embraced. At ADCB, we nurture a diverse, inclusive community where every voice is valued.

About the business area

GBS is a group of highly skilled and talented professionals who form an essential part of ADCB's continued journey of success. With a proud history of commitment, innovation and delivery, GBS constantly strives for excellence whilst ensuring the highest standards of quality and risk awareness. Each and every member of the GBS family plays an integral role in driving ADCB's strategy, growth and digital evolution by working closely with our valued business partners to achieve exceptional customer experience through our outstanding service and support.

We are actively seeking an ambitious professional to join our team at ADCB to work alongside passionate colleagues who share your ambition to redefine excellence in UAE banking.

In this role, your key responsibilities include:

• Support the facility structure, limits, collaterals, pricing, terms and conditions and covenants of approved credit applications and supporting documentation, carry out set up disbursement processing to ensure operational risks are mitigated in the process.
• Coordinate with SME Business/SME Credit/Legal during the process of preparation or vetting in order to clarify and resolve any ambiguity relating to documentation or other concerns.
• Coordinate the process/input of core Banking system maintenance to ensure processing/delivery/reporting complies with agreed Service Level Agreements (SLAs).
• Review escalated system gaps and system downtime which impacts limit and collateral management/reports to ensure that remedial technology support and solutions are obtained.
• Assess approved credit facilities and prepare required facility, security/charge documents in accordance with the stipulated terms and conditions in order to protect the Bank against the risk of default on onward submission to business.
• Support the completion of executed security documents from business and conduct vetting of the legal aspects to ensure that Bank's security documents are in line with the approved terms and conditions and are complete, valid and enforceable.
• Collate and source the documentation clearance to Credit Control and hand over all original 'executed' security documents to custodian officers in order to update the Bank's systems for subsequent monitoring and follow up.

The ideal candidate should have the following experience:

• At least 4 years of experience in Banking of which at least 2 years in Credit Administration function
• Bachelor's Degree in Banking, Finance, Business or Accounting

What we offer:

Competitive Salary. Additionally, all employees are eligible to participate in one of our rewarding variable pay plans.

Comprehensive Benefits Package: This includes market-leading medical insurance, group life and personal accident insurance, paid leave and leave airfare, employee preferential rates on loans and finance facilities, staff discounts and offers, and children education assistance (for certain job levels).

Flexible and Remote Working Options : We understand the importance of work-life balance and offer flexible working arrangements, subject to eligibility and job requirements.

Learning and Development Opportunities: We value and facilitate continuous learning and personal development, through a variety of exciting learning opportunities, such as structured instructor-led courses, a comprehensive e-Learning catalog, on-the-job training and professional development programs.

At ADCB, we are dedicated to creating a respectful, caring and disciplined work environment that aligns with your career ambitions.

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Role Overview

We are seeking a highly analytical and strategic FP&A Manager to support financial planning, budgeting, forecasting, and decision-making for a real estate development company. The role requires strong financial modeling skills, a deep understanding of real estate finance, and the ability to provide actionable insights to senior management.

Key Responsibilities

• Lead the budgeting, forecasting, and financial planning processes for real estate projects and overall company operations.
• Prepare financial models, scenario analysis, and profitability forecasts for new and ongoing development projects.
• Analyze financial performance, track KPIs, and provide variance analysis to support strategic decisions.
• Collaborate with project managers, accounting, and operations teams to ensure accurate financial reporting.
• Develop dashboards and reports to provide actionable insights to senior management and stakeholders.
• Support investment analysis, feasibility studies, and capital allocation decisions for new development projects.
• Ensure compliance with accounting standards, corporate policies, and internal controls.
• Assist in presentations to investors, lenders, and executive leadership.

Qualifications & Experience

• Bachelor’s degree in Finance, Accounting, Economics, or related field (Master’s or MBA preferred).
• 5–8 years of experience in FP&A, preferably in real estate development, construction, or property investment.
• Strong financial modeling, budgeting, and forecasting skills.
• Proficiency in Excel, ERP systems, and financial reporting tools (e.g., SAP, Oracle, Yardi).
• Excellent analytical, problem-solving, and communication skills.
• Ability to work under tight deadlines and manage multiple projects simultaneously.

Key Skills

• Financial Planning & Analysis (FP&A)
• Real Estate Project Finance
• Budgeting & Forecasting
• Financial Modeling & Valuation
• KPI Tracking & Reporting
• Investment & Feasibility Analysis
• ERP & Reporting Tools

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**Credit Portfolio Senior Analyst (UAE National Only)**
Citi is seeking an experienced and motivated professional to join its Risk Management team as a Credit Review Senior Analyst. This role plays a critical part in evaluating and improving credit risk management practices. The successful candidate will contribute to UAE Wealth CG/CPC Risk team in identifying, monitoring, and mitigating emerging credit risks. This position requires strong analytical capabilities, independent judgment, and leadership experience in credit risk or related areas.
The role will provide analytical and project support to Unsecured Credit Policy team, help produce internal reporting, and contribute to key presentations and regulatory deliverables. The ideal candidate will have in-depth credit knowledge, experience in risk systems and metrics, and the ability to coach junior team members while managing complex credit risk reviews and business monitoring activities.
**What you'll do**
+ Assess the effectiveness of Citi's credit risk management practices and support identification and mitigation of credit risk across unsecured portfolios
+ Analyze credit risks by utilizing reports, scorecards, risk systems, and expert judgment
+ Evaluate moderately complex and variable credit issues with significant business impact
+ Balance potentially conflicting data sources and develop actionable credit risk strategies
+ Lead or support the preparation of Credit Portfolio Scorecards and trend analysis reports
+ Assist with Business Monitoring and Review activities
+ Prepare internal presentations for management and regulatory stakeholders
+ Promote ethical decision-making and support risk and control issue transparency across the firm
**What we'll need from you**
+ 5-8 years of relevant credit experience, preferably in a financial institution
+ Bachelor's degree (or equivalent experience) in Finance, Accounting, Economics, Computer Science, or a related field
+ Intermediate to advanced proficiency in Microsoft Office tools (Excel, PowerPoint etc.)
+ Strong English written and verbal communication skills
+ Excellent time management, organizational, and analytical abilities
+ Experience with SQL and fluency in Arabic is a plus
By joining Citi Dubai, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed) and enjoy a whole host of additional benefits that support you (and your family) to be well, live well and save well. Discover more HERE.
Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive.
**Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities.**
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**Job Family Group:**
Risk Management
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**Job Family:**
Credit Review Risk Management
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**Time Type:**
Full time
---
**Most Relevant Skills**
Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
---
**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
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_Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._
_If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi ( _._
_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Overview

Credit Portfolio Senior Analyst (UAE National Only) Citi is seeking an experienced and motivated professional to join its Risk Management team as a Credit Review Senior Analyst. This role plays a critical part in evaluating and improving credit risk management practices. The successful candidate will contribute to UAE Wealth CG/CPC Risk team in identifying, monitoring, and mitigating emerging credit risks. This position requires strong analytical capabilities, independent judgment, and leadership experience in credit risk or related areas.

The role will provide analytical and project support to Unsecured Credit Policy team, help produce internal reporting, and contribute to key presentations and regulatory deliverables. The ideal candidate will have in-depth credit knowledge, experience in risk systems and metrics, and the ability to coach junior team members while managing complex credit risk reviews and business monitoring activities.

What you’ll do

• Assess the effectiveness of Citi’s credit risk management practices and support identification and mitigation of credit risk across unsecured portfolios
• Analyze credit risks by utilizing reports, scorecards, risk systems, and expert judgment
• Evaluate moderately complex and variable credit issues with significant business impact
• Balance potentially conflicting data sources and develop actionable credit risk strategies
• Lead or support the preparation of Credit Portfolio Scorecards and trend analysis reports
• Assist with Business Monitoring and Review activities
• Prepare internal presentations for management and regulatory stakeholders
• Promote ethical decision-making and support risk and control issue transparency across the firm

What we’ll need from you

• 5–8 years of relevant credit experience, preferably in a financial institution
• Bachelor’s degree (or equivalent experience) in Finance, Accounting, Economics, Computer Science, or a related field
• Intermediate to advanced proficiency in Microsoft Office tools (Excel, PowerPoint etc.)
• Strong English written and verbal communication skills
• Excellent time management, organizational, and analytical abilities
• Experience with SQL and fluency in Arabic is a plus

By joining Citi Dubai, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed) and enjoy a whole host of additional benefits that support you (and your family) to be well, live well and save well. Discover more HERE.

Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive.

Apply

Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities.

Job Family Group: Risk Management

Job Family: Credit Review Risk Management

Time Type: Full time

Most Relevant Skills: Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other Relevant Skills: For complementary skills, please see above and/or contact the recruiter.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.

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