138 Credit Analyst jobs in the United Arab Emirates

Job Details

Location: United Arab Emirates

Location: Dubai

Industry: Banking / Mortgage Professionals

Function: Financial Analysis

Gender: Any

Candidate Nationality: Any

Candidate Preferred Location: Any

Job Type: Full-time

Key Responsibilities

* Evaluate creditworthiness of clients by analyzing financial statements, bank data, and credit history

* Prepare and review credit proposals related to mortgage loans in compliance with bank policies

* Ensure all required documentation is complete, accurate, and aligned with regulatory and audit requirements

* Highlight credit risks, policy deviations, and suggest risk mitigants in proposals submitted for approval

* Monitor and manage exceptions such as incomplete or deferred security documents

* Process applications through internal systems (e.g., CAS) within specified service level agreements

* Conduct external verifications such as Employment Verification (EV) and Contact Point Verification (CPV)

* Coordinate with other internal departments to support application processing and approvals

* Maintain productivity reports and submit regular updates to the reporting manager

* Maintain professional conduct and effective communication with internal stakeholders

* Continuously update knowledge on regulatory standards, bank policies, and credit evaluation techniques

Candidate Profile

* Bachelor s degree in Business Administration, Finance, Banking, or related discipline

* Minimum 3 years of experience in credit analysis or risk assessment, including 1 year in a similar role

* Strong understanding of banking products, particularly in personal and mortgage lending

* Knowledge of Central Bank regulations, credit risk policies, and underwriting practices

* High attention to detail, accuracy, and confidentiality in reviewing financial data

* Excellent communication and interpersonal skills for cross-functional coordination

* Proficiency in internal banking systems and productivity reporting tools

Job Title: Credit Analyst / Processor

Location: Dubai/ UAE

Company: Fintrek Marketing

Salary: Up to AED 5,000

About the Role:

Fintrek Marketing is looking for a detail-oriented and experienced Credit Analyst / Processor to join our team. The ideal candidate will have at least 1 year of UAE experience in the same field, with strong analytical skills and the ability to process credit applications accurately and efficiently.

Key Responsibilities:

• Review, analyse, and process credit applications as per company and compliance guidelines
• Assess applicants' financial data, credit history, and repayment capacity
• Coordinate with clients and internal teams to ensure complete and accurate documentation
• Identify potential risks and recommend credit approvals or rejections
• Maintain proper records of applications and ensure timely processing
• Ensure compliance with UAE Central Bank regulations and company policies

Requirements:

• Minimum 1 year of UAE experience as a Credit Analyst / Processor (mandatory)
• Strong knowledge of credit policies, financial analysis, and documentation requirements
• Good understanding of UAE banking/financial industry
• Excellent communication and interpersonal skills
• Proficient in MS Office and basic financial tools
• Strong attention to detail and time management skills

What We Offer:

• Salary: Up to AED 5,000
• Stable and long-term career opportunity
• Professional and supportive work environment

How to Apply:

Send your updated CV to with the subject line: "Credit Analyst / Processor – UAE

Job Types: Full-time, Permanent

Pay: Up to AED5,000.00 per month

Job Title: Credit Analyst

Location:
Abu Dhabi, UAE (Reporting at Dubai office 1–2 days per week)

Job Responsibilities:

• Conduct site surveys and visit customers, including travel to other cities or countries, to investigate operations and project status; prepare detailed credit investigation reports.
• Develop and maintain third-party financial channels, survey third-party policies, and guide the Sales Department to carry out financing business effectively.
• Manage overdue accounts: follow up monthly with the Sales Department, urge collections, send emails, and visit customers with long overdue payments.
• Maintain relationships with law firms, visit regularly, and stay updated on legal knowledge.
• Investigate the construction machinery market, survey competitor sales policies, and prepare regular reports.
• Collaborate with the sales team, participate in equipment sales negotiations, and provide risk control recommendations.

Job Requirements:

• Bachelor's degree or above in Economics, Finance, Accounting, Management, or related fields; Master's/MBA preferred.
• Minimum 3 years of experience in financial institutions; experience in construction machinery industry preferred.
• Strong understanding of risk control investigations; proficient in writing credit reports.
• Strong skills in asset analysis, risk assessment, financial analysis, and negotiation.
• CFA, FRM, CPA, or other relevant qualifications preferred.
• Fluent in Arabic and English (or Chinese) for professional use.
• Familiar with local legal environment and corporate regulations.
• UAE Driving License is required; Arabic speakers preferred.

Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.

CBD has been recognized as the number one bank in the UAE on the Forbes list of The World's Best Banks 2022.

As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers - and delivering service that really goes the extra mile.

Responsibilities:

• Portfolio Analytics' including MIS, Reports, Management Presentation packs of all Asset Products falling within the domain of Personal Banking, and Retail Attijari Al Islami.
• Responsible for analyzing Scorecards, Limit assignment and Impairment model management including other related Risk models to identify both risk and opportunity areas.
• Provide support to Head of Retail Credit Policy in meeting Risk Management Department's objectives.
• Work closely with IT, Finance and other departments to generate timely and accurate MIS/Dashboards. The incumbent should have a bias to automate the various reports.
• Identify credit risks / trends under different scenarios and provide analytical support for making specific business decisions.
• Participate as a Team member and undertake responsibility for the improvement of the on-going management of credit risk reports and analyses in an accurate, efficient and timely manner.
• Ability to identify data points and data sources to build a comprehensive, accurate and complete credit information database. Facilitate in Data Warehousing process and retrieval and Analysis of Data.
• Represent the team in initiatives pertaining to data warehousing, data analysis automation and analytics.

Requirements

QUALIFICATIONS

• Degree in Finance, / Analytics
• Possesses knowledge of Credit and Financial Analysis
• Basic knowledge of Credit Risk,
• To be familiar with Rating and Scoring models
• High Proficiency in EXCEL & SAS
• Communication Ability – written and spoke

EXPERIENCE

2 – 3 years of having handled Retail credit MIS/analytics including familiarity with Scorecard analytics.

SKILLS

• Analytical skills
• Good command of English.
• Strong investigative and interpretive skills
• Persuasive communication / presentation skills

COMPETENCIES

• Thinking analytically
• Communicating effectively
• Attention to detail
• Taking initiatives

Company Description

We are mortgage solutions provider where we have 20+ Years mortgage experience in UAE market, we established Mortgage Feeders in July 2023

Role Description

This is a full-time on-site role for a Credit Analyst located in Dubai. The Credit Analyst will be responsible for evaluating credit data and financial statements in order to determine the risk involved in lending money to clients. Daily tasks include analyzing financial information, preparing reports, recommending credit limits, and reviewing credit applications. Coordination with various departments and clients, alongside regular updates to senior management, will also be pivotal parts of the role.

Qualifications

• Credit Management and Finance skills
• Analytical skills for evaluating financial data
• Strong Communication skills
• Previous experience in credit management within the UAE is required
• Ability to prepare detailed and accurate reports
• Proficiency in using relevant financial software
• Bachelor's degree in Finance, Accounting, or related field preferred
• Attention to detail and ability to work well under pressure

Salary: 3, AED) - 5, AED) per month

Credit Analyst role with responsibilities in credit investigations, risk assessment, and collaboration with sales, legal, and finance teams. Location: Abu Dhabi, UAE (Reporting at Dubai office 1–2 days per week).

• Conduct site surveys and visit customers, including travel to other cities or countries, to investigate operations and project status; prepare detailed credit investigation reports.
• Develop and maintain third-party financial channels, survey third-party policies, and guide the Sales Department to carry out financing business effectively.
• Manage overdue accounts: follow up monthly with the Sales Department, urge collections, send emails, and visit customers with long overdue payments.
• Maintain relationships with law firms, visit regularly, and stay updated on legal knowledge.
• Investigate the construction machinery market, survey competitor sales policies, and prepare regular reports.
• Collaborate with the sales team, participate in equipment sales negotiations, and provide risk control recommendations.

• Bachelor's degree or above in Economics, Finance, Accounting, Management, or related fields; Master's/MBA preferred.
• Minimum 3 years of experience in financial institutions; experience in construction machinery industry preferred.
• Strong understanding of risk control investigations; proficient in writing credit reports.
• Strong skills in asset analysis, risk assessment, financial analysis, and negotiation.
• CFA, FRM, CPA, or other relevant qualifications preferred.
• Fluent in Arabic and English (or Chinese) for professional use.
• Familiar with local legal environment and corporate regulations.
• UAE Driving License is required; Arabic speakers preferred.

• Associate

• Full-time

• Analyst

• Industrial Machinery Manufacturing, Automation Machinery Manufacturing, and Machinery Manufacturing

Role : Credit Analyst - Home Finance

Location : Sharjah

Role Purpose:

Provide full support to branches and DSUs by reviewing and processing proposed finance applications in a timely manner and within approved policies.

Key Accountabilities of the role

1. Examining credit applications for completeness and timeliness of information, noting exceptions for correction.
2. Preparation of error-free credit documents.
3. Vigilance in applying de-dupes.
4. Observing agreed TAT.
5. Ensuring compliance policies and satisfactory Risk Rating.

Analyze bank statements to assess genuineness, continuity of business turnovers, cheque returns, average balances, and observe any artificial fabrication.

Analyze applicants' financial statements and comment on findings where required.

Check customers' status through de-dupes/CBRB.

Meet minimum daily targets assigned by management while maintaining low error rates as measured by the scorecard.

Escalate cases requiring higher DPs with full analysis and recommendations to facilitate decision-making.

Demonstrate full and up-to-date knowledge of ADIB's products, policies, and procedures.

Proactively recommend system changes and ensure all procedures and policies are implemented and followed in compliance with the organization.

Demonstrate team spirit and a positive attitude.

Perform any other responsibilities entrusted by ADIB Management and any other tasks assigned.

• Support business in achieving monthly targets while maintaining a high-quality portfolio.
• Assist in capturing customers within acceptable parameters without violating CB regulations.
• Contribute positively to daily underwriting activities.
• Improve communication with branches and DSUs as internal customers.
• Provide constructive feedback on proposed finance applications.
• Ensure compliance with policies & procedures and perform key operational controls as per ADIB's policies.

• Good credit and analytical skills and knowledge.
• Minimum 3 years of practical banking experience, preferably in finance & credit.
• Detailed knowledge of ADIB's retail banking credit products & services.
• Broad knowledge of ADIB's retail credit & operational policies & procedures.
• Good knowledge of UAE banking practices, regulations, & risks.
• Good communication skills.
• Good computer skills.
• Attention to detail in document processing.
• Strong command of Arabic & English languages.

Required Experience: IC

We are seeking a highly analytical Credit Analyst to join our client team in Dubai. The successful candidate will be responsible for evaluating the creditworthiness of various entities, including corporations and financial institutions. This role involves analyzing financial statements, monitoring market trends, and assessing economic factors to determine credit risk. You will work closely with senior analysts and rating committees to provide accurate and timely credit ratings.

Key Responsibilities:

To view other vacancies we have, please check our website ( follow us on our social media accounts - LinkedIn   /  Instagram

Disclaimer: Black Pearl will never ask for money or any form of charge our candidates just to process or consider their application for any of our available vacancies. If you happen to receive such a request from any members of our staff or other individuals claiming to be part of Black Pearl, please do call our office at or drop us a message on our website - 

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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