Senior Credit Analyst Underwriter - Business Asset Finance

Transguard Workforce Solutions continues to lead the UAE market as a trusted partner for innovative and fully integrated HR services. With more than a decade of experience and a highly skilled team, we are proud to support organizations across the region with tailored workforce solutions.We are currently hiring a Senior Credit Analyst Underwriter - Business Asset Finance on behalf of a prestigious client, based in their Dubai office.Job Purpose:The role of the Job Holder is to underwrite SME credit applications, with focus on Business Banking Asset Finance (BAF), Trade, Working Capital, and Secured Lending (Mortgage/LAP), in line with the BAF Credit Policy of the Bank.The Job Holder will analyse, structure and recommend credit proposals, including trade and working capital facilities, and identify/handle deviations for escalation in accordance with the Bank’s delegation matrix.The role is primarily focused on detailed credit analysis, validation, and preparation of credit recommendations, with limited involvement in structuring or independent decision-making.

Job Responsibilities

Underwrite SME credit proposals for standard and moderately complex cases, across business loans, trade & working capital, and secured lendingUnderwrite SME credit proposals across business loans, trade & working capital, and secured lendingAnalyse borrower financials to support assessment of cashflows, repayment capacity, leverage, and working capital cyclesEvaluate cash conversion cycle, receivable/payable ageing, and inventory turnoverPerform validation of financials and data using bank statements, AECB, audited financials, and scorecard inputs (MRA/Credit Lens, financial spreading)Assess trade-linked exposures and perform basic validation of trade flows and supporting documentation (invoice/shipping/transport records)Identify risk indicators, inconsistencies, and potential fraud signalsProvide analytical support and recommendations, with escalation of cases for review and approval by higher authoritiesPrepare structured credit notes with clear recommendationsEnsure quality and accuracy of underwriting in adherence to credit policiesMaintain productivity standards and TAT/SLA complianceInitiate field visits/valuations where required to validate business operations and/or collateral.Ensure completion of cases within prescribed TAT and full adherence to SLA with Business Group.Provide timely responses to queries from Business/Branches and seek clarifications to ensure completeness of proposals.Adhere to all Operational Risk Guidelines and credit policies governing underwritingEnsure compliance with processes and documentation requirements in all cases handledSupport closure of audit observations within defined timelines.Skills :Minimum of a Bachelor’s DegreeStrong working knowledge of business software applications, particularly spreadsheets.Exposure to SME credit, trade, or working capital assessment desirable.4–6 years of SME underwriting experience, including exposure to business loans, trade/working capital facilities, and secured lending (Mortgage/LAP)Written and spoken English – Arabic preferredGood understanding of banking operations, Bank policies, procedures, guidelines, statutory requirements, market conditions.Hands-on experience in:Financial analysisCashflow assessmentBasic understanding of trade cycles and SME business models