Credit Analyst – Home Finance (Emirati Talent)
Job role insights
Date posted
November 4, 2026
Hiring location
Dubai
Career level
Junior
Qualification
Bachelor's degree
Experience
2-3 Years
Quantity
1 person
Gender
Any
Description
Dubai Islamic Bank seeks a Credit Analyst - Home Finance to review home-finance applications and support sound credit decisions. The analyst assesses customers' financial position, repayment ability, liabilities, credit history and overall exposure, while checking supporting records and following delegated authorities and retail credit procedures. This vacancy is for Emirati talent in Dubai, UAE.
Key Responsibilities
- Assess home-finance applications using the customer's employment details, industry, income and financial position, existing obligations, total exposure and repayment ability.
- Review credit history and relevant records, including Central Bank reports, collection information, blacklist checks and other system checks required by policy.
- Check the authenticity and completeness of facilities proposed by branches or sales teams, ensuring that financial and non-financial requirements are met and properly approved.
- Ensure that exceptions to product or credit parameters receive approval under the applicable delegated authority matrix.
- Complete Contact Point Verification (CPV) in accordance with policy and recommend cases to the appropriate higher authority when required.
- Prepare clear credit assessments and narrations to support management decisions.
- Monitor market trends, risk indicators and policy anomalies, and suggest improvements where appropriate.
- Identify possible fraudulent activity, maintain accurate daily and monthly MIS information, and support internal self-audits and timely closure of audit observations.
- Support after-sales credit activities, including remedial solutions for delinquent accounts, approved retention arrangements and customer requests to change existing finance terms.
- Meet service-level agreements and turnaround times while maintaining the required quality and risk standards.
Requirements and Qualifications
A bachelor's degree is required; financial accreditation is an advantage. Applicants need two to three years in financial services, including retail banking. UAE property-market knowledge is relevant.
Skills and Competencies
Candidates should demonstrate analytical judgement, careful credit writing, risk awareness, accurate record keeping and the ability to meet approval controls and deadlines.
Employment Details
Employer: Dubai Islamic Bank (DIB)
Location: Dubai, United Arab Emirates
Job Type: Full-time
Experience: 2–3 years in financial services, including retail banking
Education: Bachelor's degree; financial accreditation is an advantage
Eligibility: Emirati talent
Skills
select-type
Full Time
Interested in this job?
32 days left to apply
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