Senior Credit Underwriter بدوام كامل في الإمارات العربية المتحدة
التخصص
متفرقات
نوع الدوام
دوام كامل
الخبرة
أي مستوى
الموقع
الإمارات العربية المتحدة
وصف الوظيفة
We're Hiring: Senior Credit UnderwriterLocation: United Arab Emirates (Remote)Employment Type: Full-TimeExperience Level: SeniorWork Arrangement: Fully RemoteAbout UsWe are a globally focused organization committed to responsible lending, disciplined credit management, and sustainable financial performance across diverse markets. Our teams collaborate across Credit, Risk, Finance, Sales, Commercial, Compliance, Legal, Collections, Operations, and Technology to evaluate credit opportunities and manage financial risk effectively.Our credit function combines rigorous underwriting, financial analysis, risk assessment, policy governance, portfolio monitoring, and data-driven decision-making to support appropriate credit growth while protecting the organization's financial interests.The RoleWe are seeking an experienced Senior Credit Underwriter to evaluate credit applications, assess borrower risk, review financial and operational information, structure appropriate credit terms, and make well-supported underwriting recommendations.The ideal candidate will bring strong credit judgment, financial-analysis expertise, attention to detail, and the ability to assess complex borrower profiles. The role will work closely with relationship managers, sales teams, risk professionals, finance, legal, and senior credit leadership to ensure credit decisions are consistent, well documented, commercially appropriate, and aligned with established risk appetite.Key ResponsibilitiesAssess and underwrite new credit applications in accordance with approved credit policies and risk appetite.Review borrower financial statements, management accounts, cash-flow information, tax records, bank statements, and other relevant financial data.Analyze historical and projected revenue, profitability, liquidity, leverage, cash flow, and working-capital performance.Evaluate borrower repayment capacity and identify key sources of repayment.Assess the financial strength and creditworthiness of individuals, businesses, and corporate entities as applicable.Review credit applications for completeness, accuracy, consistency, and appropriate supporting documentation.Conduct detailed analysis of borrower financial performance and identify material trends or changes.Evaluate debt-service capacity, leverage ratios, liquidity ratios, profitability metrics, and other relevant credit indicators.Assess existing and proposed debt obligations and their impact on repayment capacity.Analyze business models, industries, markets, competitive environments, and operating risks.Identify key credit risks, mitigating factors, structural weaknesses, and potential downside scenarios.Assess management quality, ownership structures, business strategy, and governance considerations where relevant.Review customer, supplier, concentration, geographic, and operational risks affecting borrower stability.Evaluate collateral, guarantees, security arrangements, and other credit enhancements.Assess collateral value, coverage, enforceability, and suitability in accordance with applicable policies.Recommend appropriate credit limits, tenors, pricing, collateral requirements, covenants, and other conditions.Structure credit facilities to appropriately balance risk, customer requirements, and commercial objectives.Prepare detailed credit assessments and underwriting memoranda for approval.Clearly document credit rationale, key risks, mitigants, assumptions, and recommended conditions.Present complex or higher-risk credit cases to credit committees or senior approval authorities.Respond to credit-committee questions and provide additional analysis when required.Review exceptions to standard credit policies and provide clear justification and risk assessment.Escalate material policy exceptions, risk concerns, inconsistencies, or potential fraud indicators.Conduct independent analysis of information provided by relationship managers, sales teams, brokers, customers, or other sources.Verify key financial and non-financial information through appropriate documentation and independent sources.Identify inconsistencies, unusual transactions, unexplained financial movements, or potential misrepresentation.Conduct industry and sector research to support credit decisions.Assess macroeconomic, market, regulatory, and industry developments that may affect borrower risk.Perform sensitivity and stress testing under adverse revenue, margin, interest-rate, liquidity, or market scenarios.Evaluate borrower resilience under downside conditions and identify potential vulnerabilities.Review existing facilities for annual, periodic, or event-driven credit reviews.Conduct credit reviews when borrower financial performance, ownership, business strategy, or risk profile changes materially.Monitor covenant compliance and assess the implications of covenant breaches or emerging concerns.Review requests for limit increases, restructurings, renewals, refinancing, waivers, or amendments.Reassess credit exposure following significant changes in borrower circumstances.Coordinate with Portfolio Management and Risk teams on emerging credit risks.Monitor portfolio exposures and identify concentrations or risk trends within assigned segments.Support development of early-warning indicators for deteriorating credit quality.Review delinquency, utilization, repayment behavior, and other relevant portfolio indicators.Collaborate with Collections and Recovery teams on accounts showing signs of financial stress.Provide recommendations for risk mitigation, restructuring, additional security, or enhanced monitoring where appropriate.Support credit-risk reporting and portfolio-quality analysis.Maintain accurate credit files, underwriting documentation, approval records, and supporting evidence.Ensure all credit decisions comply with applicable policies, delegated authorities, regulatory requirements, and documentation standards.Maintain appropriate confidentiality of borrower, financial, commercial, and credit-risk information.Work closely with Compliance and Financial Crime teams to identify potential sanctions, fraud, money-laundering, or other financial-crime concerns.Escalate suspicious or potentially fraudulent information through appropriate channels.Support implementation and refinement of credit policies, underwriting standards, and risk frameworks.Identify opportunities to improve credit processes, decision quality, turnaround times, and risk controls.Participate in credit-policy reviews and recommend adjustments based on portfolio experience and emerging risks.Support development and validation of credit scorecards, risk-rating models, underwriting tools, and decision frameworks where applicable.Use credit analytics and portfolio data to support consistent underwriting decisions.Evaluate the performance of existing underwriting criteria and identify opportunities for improvement.Maintain awareness of relevant lending regulations, accounting developments, market practices, and credit-risk trends.Provide guidance and technical support to junior underwriters and credit analysts.Review selected underwriting work prepared by junior team members and provide constructive feedback.Support training on financial analysis, credit assessment, policy interpretation, and underwriting standards.Collaborate with Sales and Relationship Management teams while maintaining independent credit judgment.Communicate credit decisions, conditions, and requirements clearly and professionally.Manage multiple credit applications, reviews, approvals, and deadlines while maintaining quality standards.Key Performance IndicatorsCredit decision turnaround timeUnderwriting accuracyCredit-file completenessCredit-policy complianceRisk-assessment qualityFinancial-analysis accuracyCredit approval qualityCredit recommendation qualityCredit committee approval efficiencyCredit exception ratePolicy exception qualityCovenant compliance monitoringCredit review completionAnnual review completionLimit-review co
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