Credit Analyst – Home Finance (Emiratization)
Job role insights
Date posted
October 5, 2026
Hiring location
Dubai
Career level
Associate
Qualification
Bachelor Degree
Experience
2-3 Years
Quantity
1 person
Gender
Any
Description
DIB is seeking a Credit Analyst - Home Finance in Dubai to assess retail home-finance applications and support sound credit decisions. The role combines financial analysis, customer assessment, policy compliance, risk identification and post-sale credit support, with a strong focus on maintaining quality, timely turnaround and controlled credit exposure.
Key Responsibilities
- Review proposed facilities and ensure any deviations from approved product or credit parameters receive authorization under the delegated authority framework.
- Monitor credit and market trends and identify potential policy changes that can improve portfolio quality and reduce risk.
- Assess the authenticity and quality of facilities submitted by branches and sales teams and verify compliance with financial and non-financial parameters.
- Apply retail credit procedures and service-level requirements to deliver decisions within agreed turnaround times.
- Improve productivity and analytical quality while supporting acceptable audit and risk outcomes.
- Maintain accurate daily and monthly data for management information and performance reporting.
- Identify and escalate suspected fraudulent activity and other indicators of elevated credit risk.
- Prepare clear and comprehensive credit assessments and recommendations for management approval.
- Evaluate customer profiles, employment, industry, financial position, existing liabilities, total exposure, repayment capacity, credit history and banking relationships.
- Review Central Bank information, collections records, blacklist checks and other required system controls and ensure contact-point verification is completed.
- Conduct self-audits, address audit observations and support after-sales credit activities including remedial solutions, restructures, cancellations, consolidations, retention and customer requests.
Requirements
- Emirati national eligible for the role.
- Bachelor's degree; relevant financial accreditation is an advantage.
- 2–3 years of financial-services experience, including retail banking exposure.
- Good knowledge of UAE property and home-finance markets.
- Strong analytical, risk-assessment, documentation and decision-support skills.
Employment Details
- Company: DIB
- Location: Dubai, United Arab Emirates
- Employment Type: Full Time
- Industry: Banking
Skills
Country
UAE
select-type
Full Time
Interested in this job?
8 days left to apply
Beware of job scams and fraud! Never pay anyone for a job application, interview, visa processing or job offer. Disclaimer: RecruitArabia.com is a job information platform, not an employer or recruitment agency, and takes no part in hiring. We make reasonable efforts to list genuine jobs but cannot guarantee the accuracy or availability of every posting, so please verify employer details through official sources before sharing personal information. We never charge job seekers any fees and are not responsible for fraud or loss involving employers or third parties. Suspicious listing? Report it above or email us at admin@recruitarabia.com.
