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Credit Officer

Credit Officer

Budget Rent a Car, UAEDubai, Dubai, United Arab Emirates
27 منذ أيام
الوصف الوظيفي

Credit Officer

Reporting to Deputy Finance Manager

Job Purpose :

To assess and approve lease credit applications, ensure compliance with internal credit policies, monitor receivables, and support the leasing team by minimizing financial risk and ensuring sound credit practices.

Key Responsibilities :

Credit Assessment & Approval

  • Review and assess credit applications for individual and corporate leasing clients.
  • Evaluate financial documents such as bank statements, audited financials, and credit bureau reports.
  • Approve or recommend lease credit limits based on risk profile and company criteria.
  • Ensure all lease contracts are financially viable before approval.

Lease Agreement Support

  • Work closely with the leasing sales team to provide timely credit decisions.
  • Validate customer documentation prior to lease activation (trade licenses, Emirates IDs, guarantees, etc.).
  • Coordinate with legal, operations, and sales teams for lease agreement execution.

    • Receivables Management

  • Monitor active leasing accounts and follow up on outstanding payments.
  • Investigate overdue accounts and initiate collection procedures.
  • Maintain updated receivables reports and escalate high-risk accounts to management.

    • Risk Control & Compliance

  • Identify potential credit risks and take necessary actions to mitigate exposure.
  • Ensure full compliance with UAE laws, regulations, and company credit policies.
  • Maintain accurate records of all credit approvals, rejections, and supporting documents.

    • Reporting

  • Generate and submit periodic reports on lease portfolio risk, approvals, collections, and delinquencies.
  • Provide insights and recommendations to management for credit policy improvements.

    • Qualifications & Experience :

  • Bachelor’s degree in finance, Accounting, Business Administration, or a related field.
  • A minimum of 2 years’ experience in credit assessment, preferably within banking industry
  • Strong knowledge of UAE credit practices and regulatory framework.
  • Experience with credit bureaus and financial statement analysis.

    • Please note only shortlisted candidates will be contacted! Thank you for your interest in joining us!

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    إنشاء تنبيه وظيفي لهذا البحث

    Officer Credit • Dubai, Dubai, United Arab Emirates