UBL UAE is seeking for a highly analytical and detail-oriented professional to join our Financial Institutions team as Credit Analyst. The ideal candidate will be responsible for evaluating the creditworthiness of banks, non-banking financial companies (NBFCs), and insurance firms. This role requires a solid understanding of financial analysis, regulatory frameworks, and market dynamics impacting financial institutions.
Key Responsibilities
1. Credit Evaluation & Risk Assessment
- Conduct in-depth credit assessments of counterparties including banks, NBFCs, and insurance firms using financial, regulatory, and qualitative criteria.
- Prepare comprehensive credit proposals, assign internal risk ratings, and recommend appropriate exposure limits.
- Evaluate entity-level risks including capital adequacy, asset quality, funding and liquidity profiles, earnings stability, and management quality.
2. Portfolio Management & Risk Monitoring
- Continuously monitor the credit portfolio for early warning signals, deteriorating credit metrics, and industry developments.
- Ensure periodic credit reviews are completed in line with internal policies and regulatory guidelines (e.g., Basel norms).
- Track macroeconomic, regulatory, and sectoral developments affecting portfolio counterparties.
3. Credit Support & Stakeholder Coordination
- Work closely with Relationship Managers (RMs) to support deal structuring, credit analysis, and approval processes.
- Present credit assessments and recommendations to Credit Committees.
- Ensure effective alignment of risk appetite with business objectives and transaction structures.
4. Relationship Management & Market Intelligence
- Develop and maintain relationships with senior stakeholders across financial institutions.
- Stay abreast of market trends, regulatory changes, monetary policies, and liquidity movements to proactively assess risks and opportunities.
5. Product Expertise & Structuring
- Demonstrate strong knowledge of FI-specific products such as:
- Trade Finance
- Syndicated Lending
- Custody Services
- Liquidity Management Solutions
- Provide input on product structuring and tailor credit solutions that balance client needs with the bank's risk appetite.
Key Requirements:
- Bachelor's/Master's degree in Finance, Economics, Accounting, or related field; CFA/FRM qualifications are a plus.
- 46 years of relevant experience in credit analysis or risk management within a bank or financial institution.
- In-depth knowledge of regulatory and rating frameworks.
- Excellent written and verbal communication skills for effective report writing and presentations.
- Strong stakeholder management and collaboration skills.
- Analytical mindset with the ability to manage multiple priorities in a fast-paced environment.
- Strong financial statement analysis and credit modelling skills.
