Credit Analyst – Home Finance (Emiratization)

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