Credit Analyst
- Evaluate customer profiles seeking retail credit facility in line with ADCB policies and procedures.
- Ensure quality evaluation on all applications with the agreed Turn Around Time.
- Understand the Retail Credit environment
- Processing applications as per the agreed SOP on a daily basis.
- Lending authority not to exceed the DLA matrix for each transaction by product.
- Maintain a 0% processing error rate.
- Maintain processing TAT as per agreed SLA
- Ensure all credit decisions are within the banks approved policy and procedures.
- Follow the escalations as approved and directed by the DLA & Deviation Matrix.
- Comprehensive first line of review – avoiding reworks/reinstates.
- Evaluate applications with a focus towards approvals – reflected towards approval rates.
- Evaluate customer profiles in line with ADCB credit policies and procedures.
- Ensure quality evaluation on all applications with the agreed TAT.
- Follow the escalations as approved and directed by the DLA & Deviation Matrix.
- Maintain a 0% processing error rate.
- Escalate suspicious activities identified during applications evaluation on document formats or information gathered on CPV.
- Participate actively in unit monthly meetings through suggestions on process improvements and market information.
Founded in 1985, ADCB employs more than 4,000 staff from 62 nationalities, serving over 600,000 retail customers, and approximately 50,000 corporate and SME clients. The bank operates in 48 branches, 4 pay offices, 2 branches in India, 1 branch in Jersey and a representative office in London. By the end of March 2015, the total assets of ADCB amounted to AED 207 billion.
ADCB is a full-service commercial bank that offers a wide range of products and services including retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, foreign exchange, interest rate, currency derivatives, Islamic products, project finance and property management services.
ADCB is 58.08% owned by Abu Dhabi Investment Council, the investment arm of the Government of Abu Dhabi. The banks shares are traded on the Abu Dhabi Securities Exchange. By the end of March 2015, excluding treasury shares, ADCBs market capitalization was AED 34 bn .
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