CREDIT ANALYST
adcb bank
Total years of experience :5 years, 5 Months
- Perform complete analysis and evaluation of SME proposals, provide detailed financial analysis, carry out feasibility studies, risk and return, break-even analysis profitability and capital structure determinants.
- Ensure that Credit Policies and Regulations are implemented.
- Screening of all legal documentation.
- Ensuring follow up and collection of overdue or delinquent accounts.
- Running portfolio of credit facilities of 70 accounts on SME level estimated at approximately AED 90 Mio total facilities with revenue turn over varies from AED 5 million to AED 45 million.
- Preparing relevant credit reports.
- Accurate /detailed spread & analysis of financial statements.
- Timely account reviews and proper assessing of new business transactions.
- Ensure that customer credit files are up to date at all times.
- Recognize early warning signals of unsatisfactory account conduct, and assist collection of past due loans by contacting customers and follow up on late payments.
- Participate as directed in monitoring and reporting competitor's activities and strategies.
- Take personal responsibility to provide assistance in customer related issues.
- Maintain a close working relationship with the clients.
- Adhere and comply with applicable ADCB's internal policies and procedures as well as governing regulations issued by concerned authorities.
- Cooperate and facilitate work of internal audit and risk management to address gaps, and respond to audit reports within agreed deadlines.
- Monitor money-laundering activities, and coordinate remedial actions with management.
- Prepare a self - development plan, agree with the team leader /Dept head and work progressively towards achieving it.
- Closely work with the sales team to accomplish the business banking long term goals and meeting the group's pre-set financial /non financial objectives.
- Liaising with Bank departments like Credit/Credit Administration/Operations/Trade Financeto track customer t