Specialist, Personal Banking Credit - Credit

Job Purpose:

The Retail Mortgage Credit Analyst is responsible for assessing and evaluating mortgage loan applications from individual customers to determine creditworthiness and repayment capacity. The role involves analysing financial and non-financial information, conducting risk assessments, ensuring compliance with the bank's credit policies and regulatory requirements, and making sound credit recommendations to support profitable and prudent mortgage lending

Principal Accountabilities:

• Review and analyze mortgage loan applications for salaried and self-employed customers.


• Assess customers' income, employment stability, debt burden, affordability, and repayment capacity.


• Calculate Debt Burden Ratio (DBR), Loan-to-Value (LTV), and other key credit metrics.


• Verify customer information through supporting documents, credit bureau reports, bank statements, and employer checks.


• Analyze financial statements and business performance for self-employed applicants


• Evaluate the overall credit risk of mortgage applicants.


• Identify potential risks, red flags, and mitigating factors.


• Assess collateral quality, property valuation reports, and legal documentation.


• Recommend appropriate loan structure, tenor, pricing, and conditions.


• Prepare comprehensive credit assessment reports and recommendations.


• Approve applications within delegated authority limits or recommend approval/rejection to higher approval authorities.


• Ensure consistency and quality of underwriting decisions.


• Monitor trends in mortgage portfolio performance.


• Identify early warning signals and emerging risks.


• Participate in portfolio reviews and remediation activities.


• Ensure compliance with internal credit policies, regulatory guidelines, and lending standards.


• Maintain proper documentation and audit trail for all decisions.


• Support internal and external audit requirements


• Work closely with Sales, Relationship Managers, Operations, Credit Admin and Real Estate Department


• Provide guidance on credit policy interpretation and deal structuring.


• Support process improvement initiatives to enhance turnaround times and customer experience.


• Optimize and enhance the lending target market, policies, and processes to improve overall effectiveness and efficiency.

Job Requirements (Qualification/Experience):

• Finance/ CPA or CA qualification or an equivalent internationally recognised professional accounting qualification.


• 3-5 years’ experience in retail credit underwriting


• Prior experience exercising individual credit delegation / lending authority strongly preferred.


• Strong experience assessing self-employed


• Effective communication skills in English and Arabic

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