Senior Credit Analyst (UAE National)

Assess and underwrite retail credit applications while applying approved credit policies, delegated authority and sound risk judgement to maintain portfolio quality. This position is suited to a professional who can combine sound judgement, customer or stakeholder focus and disciplined execution in a regulated banking environment.

Role Context

This role contributes to a professional banking environment where accuracy, responsible decision-making, customer focus and effective collaboration are essential. The position offers the opportunity to work with experienced teams, support business priorities and contribute to sustainable service and operational outcomes.

Key Responsibilities

• Review and underwrite credit applications for relevant retail banking products.
• Analyse customer income, liabilities, financial information and supporting documents to assess repayment capacity.
• Make decisions within delegated authority and refer exceptions or higher-value cases appropriately.
• Review policy deviations, restructuring requests and other non-standard cases with sound risk judgement.
• Maintain high underwriting accuracy and productivity without compromising credit quality.
• Document decisions clearly and ensure supporting evidence meets policy requirements.
• Monitor recurring risk themes and contribute to improvements in credit processes and controls.

Requirements

• Bachelor’s degree in finance, accounting, economics, business or a related discipline.
• Strong experience in credit analysis, underwriting or retail banking risk.
• Good knowledge of financial analysis, credit policy and delegated-authority frameworks.
• Strong attention to detail, decision-making and analytical skills.

What You’ll Bring

The successful candidate should demonstrate professionalism, ownership, clear communication and a practical approach to solving problems. Strong collaboration skills and the ability to manage priorities are important, along with respect for confidentiality, controls and service standards. Candidates should be comfortable working with multiple stakeholders and using data, documentation and business information to support sound decisions. A proactive attitude, willingness to learn and commitment to delivering dependable results will be valued in the role.

Employment Details

• Company: Commercial Bank of Dubai
• Location: Dubai, United Arab Emirates
• Employment Type: Full Time
• Experience: 5 - 8 Years